vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

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

Complaint narrative:
I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I also have a fraud alert on my credit profile as well

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 2022-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Hello, I am writing to address an issue with FedLoan Servicing taking over a month to recalculate XXXX plans which in turn, adds months onto your XXXX  time length. This information is not shared up front that time spent in adminsitrative forbearance is not included in eligible months, despite employment by a certified employer. I have now lost 3 months of progress because my amount needed to be re-calculated- it took them 3 months to return the new amount to me which now just adds an additional 3 months on the back end. There has been a long history of misinformation about XXXX from FedLoan Servicing and in the end, it is just hurting those who are trying to dedicate their career to public service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
Accelerated Financial was taking off my credit report from XX/XX/2022 to XX/XX/2022. They stopping reporting on my credit report and should not be reported again. Once the same Creditor stopped reporting an account it can not be reported again based on the Fair Credit Reporting Act

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

Complaint narrative:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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 2022-03-03 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call Regions bank but they would not help me. I have payed this account off and I want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed for Bankruptcy XX/XX/2021. I provided Experian with a copy of my bankruptcy discharge order and copy of the creditors included in the file petition. Creditor XXXX XXXX and XXXX XXXX refuses to update credit report with bankruptcy filing and removing balance

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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 2022-03-03 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: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the 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 explanation
Consumer complaint received 2022-03-03 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: The Bureaus, Inc.
State: PA

Complaint narrative:
I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX license number 7. XXXX XXXX XXXX proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX  XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX  XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: MO

Complaint narrative:
This debt just randomly landed on my credit report. The debt collector stated that the debt was created on XX/XX/2021. I have received no contact via email, phone, or postal mail about owing money on this debt, or that it was in existence. I did not receive the opportunity to verify that this was my debt. I am not going to pay a debt that was never confirmed to be my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
Equifax added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Equifax is reporting inaccurate information on my credit file.

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

Complaint narrative:
I changed my name over a year ago. I contacted all my credit cards, banks, etc. to get everything updated. When I tried to get a loan for a house purchase Equifax ( and only this bureau ) is telling the bank " this account is frozen. '' I spend hours trying to get a person to tell me what the issue is. They constantly keep trying to direct to go online ( which online tells me I MUST call ), or to use their phone system ( which isn't working for probably the same reason ). Any time I asked to speak to a manager, I would be cold-transferred back to the original call-in queue. 

Finally someone helped uncover my issue that they were still using my old name. They then claim that the only way that they can correct is is for me to snail mail or fax copies of sensitive documents to them, and that it would be resolved about a business week after they get them. 

I didn't need to contact any of the other credit bureaus, as they must have gotten the updates automatically from court orders, CC companies, and banks. Furthermore the requirement that I have to send something in to them and they don't accept email in the 21st century is absurd- It should be my call as I have already done it for the banks. 

Also, a 20 minute process of navigating their automated phone maze and entering in data multiple times when I know the outcome is " we can't find you in the system '' is ridiculous- and then when the agent picks up the phone none of it was transferred over to them should be considered abuse. 

This company should not be allowed to operate how it does, especially considering it's effectively a required service for most Americans. They should be disbanded and the federal government should run and fix these problems - a private industry 's only motive is cash- and it shows they don't have the staff and knowledge to run something so critical.

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

Complaint narrative:
Experian added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Experian is reporting inaccurate information on my credit file.

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 2022-03-03 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:
This account named XXXX XXXX  with an account number # XXXX Opened on XX/XX/2021 has inaccurate late payments reported from my credit report. This account was paid as agreed on time and violated 15 USC 1666B for reporting misleading and inaccurate late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, Capital One refinanced my auto loan from XXXX XXXX XXXX and I submitted my power of attorney document to facilitate the title transfer. From XX/XX/XXXX through XX/XX/XXXX, I did not receive communications from Capital One subsequent to the refinance date. I called customer resolution numerous times up until XX/XX/XXXX to ask why hasn't the paper work been completed. I was finally told Capital One has not received my title. I contacted the prior lender and was told Capital One never requested my title be sent and in XX/XX/XXXX Capital One received my title. 
Two weeks after that Capital One requested my vehicle registration which was sent in and was told the paper work is finally being processed. Now, on XX/XX/XXXX, Capital One sent me an email saying my Power of Attorney document was rejected and no explanation was given, I contacted customer resolution to get an address to file a Legal complaint because I don't understand after 5 months and counting my title paper work is not finished and I'm driving an unregistered vehicle. I need help getting Capital One to complete this refinance process and feel this process has been Unfair and Deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
They said they wouldn't charge more than35.9 percentage and they are charging 399.564 percent. Plus when they quoted the amount it was made like they would adjust that amount because of what was in there written contract. They did not honor there word and I believe they false advertised. I have paid XXXX in 7 months for a XXXX dollar loan. Payments of XXXX and some change. And because they have me recordered as saying that I would make those payments I am not honoring my word. I feel like I have been lied and decieved and honoring word is a two way street

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: VA

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

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

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the 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 explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the 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 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
THIS IS A MUSICIANS FRIEND CREDIT CARD/SYNCHRONY BANK. I RECEIVED THE CARD I BELIEVE IN 2019. I DON'T KNOW FOR SURE BECAUSE THEIR RECORDS ONLY GO BACK 12 MONTHS WHICH IS POOR BUSINESS I THINK. 
I MISSED A PAYMENT ONLY ONCE BECAUSE IT HONESTLY COMPLETELY SLIPPED MY MIND. HOWEVER, BESIDES THAT ONE TIME I HAVE MADE MY PAYMENT ON OR BEFORE THE DUE DATE AND PAID THE MINIMUM PAYMENT AND MORE OFTEN MORE THAN THE MINIMUM PAYMENT. 
MY COMPLAINT IT THEIR SHODDY, INCOMPETENT WEBSITE AND BUSINESS PRACTICES. EVERY MONTH WITHOUT FAIL I GO TO SIGN INTO MY ACCOUNT AND MAKE MY PAYMENT AND EVERY MONTH THE SITE TELLS ME IT'S DOESN'T RECOGNIZE MY PASSWORD. EVERY MONTH I HAVE TO CHAT ONLINE OR CALL AND I'M ALWAYS TOLD I HAVE TO SET A NEW PASSWORD. IN 3 YEARS EVERY MONTH ... .THAT 'S A LOT OF PASSWORDS. 
I KNOW THIS IS NOT MY FAULT AS I'M XXXX AND OLD SCHOOL AND I WRITE EVERYTHING DOWN SO I HAVE THE PASSWORD WRITTEN DOWN, WITH THE XXXX AND ACCOUNT NUMBER. 
THIS BANK SHOULD NOT BE ALLOWED TO PRACTICE UNTIL THEY CAN GET THEIR SERVICES UP TO STANDARDS. 
THANK YOU

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