vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: MS

Complaint narrative:
I'm filing this complaint due to Experian failure to provide my consumer report and reinvestigation results via United States Postal Service. I have notified Experian in writing to send my disputed results along with my consumer report via USPS.

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 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
I closed my account with XXXX and was told by the rep what my final bill was and paid it. A short time later I got a bill from XXXX for {$450.00} with no explanation as to the charges. I called XXXX and they could not access my account to tell me what the bill was for. As far as I'm concerned, the final bill the rep gave me when I closed the account was all I owed XXXX. The next thing I knew I was getting letters from a collection agency. 

The very first letter stated that if I responded by a certain date, they would not report the collection. A response was mailed weeks before that date and they have now placed that collection on my credit report. They never answered that letter. They sent a second letter with additional charges on it with no explanation of what those charges were for. I've repeatedly asked for details of what the XXXX charge was for and what their charges were for. I have yet to receive a response. Then Convergent offered to settle for 80 % of the increased amount ( that had no explanation ). The original bill was {$450.00}. 

I want this bill erased. XXXX had charged my card after the account was closed. I reported it to my bank who agreed the charge was not valid and returned the money to my account. I paid the final amount I was told was due at the time I closed my account. They aren't entitled to anything else. I also want this collection removed from my account and Convergent held responsible for failure to reply to XXXX requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-21 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: ERC
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, ENHANCED RECOVERY CO 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 2022-10-21 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: VA

Complaint narrative:
Hi I am submitting this 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 XXXX. 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 us 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 n admitted they had my police report n 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-21 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: VA

Complaint narrative:
Hi I am submitting this 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of MI XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy # XXXX, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
On XX/XX/2022, I called EdFinancial and submitted a request for a {$10000.00} refund that I am eligible for under the new student loan forgiveness law that was passed. I paid {$10000.00} of loans off during the COVID repayment pause, and therefore I am eligible to receive a refund for those payments I made. On XX/XX/XXXX, EdFinancial said they put in a request with the Department of Education and I should see the refund in my bank account in 6 weeks. I called today ( XX/XX/2022 ) since I still have not received my refund and EdFinancial said that it is still being processed and they can't give me a timeframe with when I will receive my refund nor can they give me a confirmation number of my request. Talking with people in my life who have submitted the same refund request with other loan companies, they said they got their refunds within a month. I'm not sure why EdFinancial is taking so long. They are blaming it in the Department of Education, but other loan companies are not taking this long. I am concerned that my refund is not being processed since they won't give me a confirmation number. Considering their recent security leak where my social security number was hacked, I have little confidence that I will ever get the refund I am eligible for. Please let me know if you need more information from me to help resolve this problem. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
On my EQUIFAX report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX i do not recognize these account. It is not Mine. Do to it is not mine it mist be removed under the FCRA. Please request proper investigation with proof if investigation under title 15 usc 1681. XXXX XXXX is my name. This communication is being sent to a XXXX computer. A XXXX AI machine, but that are not my wishes. Send this correspondence to a real human. Not a machine. I am a human I can not talk to a machine. -all accounts reporting on my credit report shouldve been investigated. Request what investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified by Discover that there was potential fraud charge on my card and when I checked my account there were 2 charges from XXXX XXXX XXXX  XXXX. I notified Discover that these were fraudulent via their automated system and thought everything was resolved. A couple weeks later ( XX/XX/2022 ), I checked my account and the charges were still there, so I called Discover and they had me go through the dispute process with a representative. 

Over the course of the next 3 months Discover called me 6 times to gather information, usually asking the same questions each time. On XX/XX/2022 Discover called me and notified me that the claim was denied because I checked my account the day it happened. They also stated that I made a payment at the start of the month, which I have been doing for the last few years. 

Discover claims that the case was resolved on XX/XX/2022 but I never received a letter and my account wasn't adjusted until XX/XX/2022. There was no response from XXXX XXXX XXXXXXXX XXXX and the entire investigate lasted over 90 days if you account for the automated message that was sent on XX/XX/2022. I've never heard of a claim being denied because the person checked their account, this is a dangerous precedent to set because I shouldn't be punished for being responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: TX

Complaint narrative:
I am writing this as a formal complaint against Transunion for not investigating and removing the errors and inaccuracies from my credit report. Transuion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from 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 non-monetary relief
Consumer complaint received 2022-10-21 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: KY

Complaint narrative:
Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: LA

Complaint narrative:
I have made several attempts to have all the errors and inaccuracies reporting on my consumer report corrected with Equifax, but Equifax refuses to respect my privacy or abide my the federal laws in place my congress. There are still billing errors, incorrect addresses, phone numbers, names, collection accounts, and more STILL BEING REPORTED on my consumer report. Equifax has been willfully negligent in remedying my affairs and has continued to violate me and discriminate against me. My disputes with Equifax have not been investigated properly or validated. Also has violated my right to privacy 15 U.S.C 6801. This is last and final attempt to have this issue resolved. If Equifax does not honor my demand civil suit will follow. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX on my Experian and XXXX reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my Experian, XXXX and XXXX reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: VA

Complaint narrative:
I am disheartened to hear on XX/XX/2022 XXXX XXXX XXXX, chairman of a XXXX XXXX XXXX say that Transunion has longstanding problems with responding to consumers who raise complaints about credit reporting errors.They continue to report this error on my report and are refusing to re-investigate and resolve the matter. XXXX and XXXX completed their investigation and fixed the error on my consumer report with them but Transunion still refuses to correct their error. They will not send me copies of the documentation they used to verify the account is accurate. I also previously submitted several complaints with you that have not resulted in a resolution. XXXX XXXX XXXX also said that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. This is completely accurate with my ongoing issue with Transunion. They have not corrected the error after numerous requests from me since the Corona Virus pandemic. I am demanding the CFPB step in and require them to immediately delete this account from 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 non-monetary relief
Consumer complaint received 2022-10-21 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: NY

Complaint narrative:
I completely disagree with this response. Please see the supported document Ive attached with this feedback. This account was a car that my husband and I brought in XX/XX/XXXX from the XXXX XXXX in XXXX XXXX New York. Than we got to a car accident in the month of XX/XX/XXXX, we had reported that to our insurance company which was XXXX XXXX at that time. Our insurance told us that the car was total loss. They started a claim. Than our insurance told us that they pay off the amount that was left on the car and they didnt have nothing left to even sent to us. One month after I received a message that stated that my credit score had dropped when I check my report thats when I saw that XXXX had reported the account as a charge off and collection with an amount of {$2000.00} due. They did not even sent us a notice about this before putting reporting it on our credit report. My husband and I called the XXXX company we brought the car from and ask why is that, they didnt really say much they just told us oh yeah you owe {$2000.00} which we think it was absurd because our insurance company told us we do not owe anything because they payed off the amount that was left on the car even so we agreed to pay off that amount as an installment and ask if after paying that amount would it be removed from our report they say yes and still today this account is reported on my report and it have been effecting me deeply. Also I do see that on the report they say this account was late thats not true. We had automatic payment for this account every month they just take the money out of our account. Please I need this to be resolved. This is wrong thank you. 

Account # XXXX XXXX regards,

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