vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE

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 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES ( JUNK DEBT BUYER ) PURCHASED AND ILLEGALLY REAGED A FRAUDULENT DEBT XXXX ( ORIGINAL XXXX PERPETRATOR XXXX XXXX IN MY NAME AND REPORTED ON MY CREDIT REPORT TO MALICIOUSLY CAUSE GREAT HARM TO ME. ACCORDING TO PREVIOUS RECORDS OF MY THE ORIGINAL FRAUDULENT ACCOUNT WAS REMOVED FROM MY REPORT MORE THAN FOURS AGO. THE CORRESPONDING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DEEMED AN ADDRESS THAT WAS FRAUDULENTLY USED IN MY NAME WHICH PORTFOLIO RECOVERY ASSOCIATES SUPPLIED TO THE CREDIT BUREAUS WHICH IS ANOTHER VIOLATIONS OF MY RIGHTS ACCORDING TO FCRA AND fair debt collection practices act AS WELL. THE YEAR OF OCCURRENCE AND CLOSURE OF SAID FRAUDULENT ACCOUNT WAS XXXX WHICH PUTS IN QUESTION HOW THIS ACCOUNT REFLECTS A NEWLY START DATE OF XX/XX/XXXX WHICH I ONCE AGAIN REPEAT IS A ILLEGAL RE-AGING OF THE FRAUDULENT ACCOUNT. I DONT OWE THE BS COMPANY ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Dispute by Mail XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Report # XXXX / Account # XXXX To whom it may concern, I am notifying you that the following items are not reported correctly for the reasons indicated previously. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. The account is not mine and contains a XXXX  store as a home address, which is also not mine. 
Removal Requests : # 1 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Reported date XX/XX/XXXX On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX called and asked my name and where I lived, but XXXX would not provide me any more information after repeated questioning. Later I found out that XXXX called me because they intended to illegally change the bad address on their initial account illegally placed on my credit. On XX/XX/XXXX, XXXX removed the same illegal XXXX, XXXX account for inaccurate information due to a similar dispute I sent. Likewise, I tried to dispute this same issue with Experian via the online dispute system, but the Experian staff did not correctly dispute and remove this illegal account. As stated before, I never lived at a XXXX store, and Ive never done business with XXXX XXXX XXXX XXXX. If you can not remove this account or prove that I lived in a XXXX store ( bad address & information reported by XXXX ), I will have my lawyer contact you. 
Once again, I am notifying you that these items are not reported correctly for the previously mentioned reasons, and I am asking you to reinvestigate them. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 

Let me know if you need any additional information to verify my identity and remove the illegal XXXX XXXX XXXX account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell

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 2022-04-09 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-09 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-09 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: OK

Complaint narrative:
The name and birthday connected to my credit account are not my legal name. The name on my report now is XXXX XXXX but my full name is XXXX XXXX XXXX XXXX. My birthday is XX/XX/1989.

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 2022-04-09 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: FL

Complaint narrative:
I am writing in the hope 's that you can assist me on my dilemma!! I am writing on behalf of my granddaughter XXXX XXXX XXXX as she is beginning her journey in life. 

I'm besides myself there is no way that I can pay more than {$50.00} per month on this bill!!!! I had to leave school due to my XXXX XXXX XXXX as a matter of fact she took a student loan for me and was able to be given Charity as she is now on Social Security. 

Our generation is being set up to loose fresh out of school with " NEGATIVE '' credit scores that's it, your stuck there for the next 10 years. 

Please help me in this matter they continue to close account sell account & the cycle begins all over again. To be quite honest I work XXXX hour week 's which just covers my rent. Isn't there some kind of program that I could possibly qualify for. 

Thanking you in advance for your efforts. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 2022-04-09 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: FL

Complaint narrative:
I am writing in the hope 's that you can assist me on my dilemma!! I am writing on behalf of my granddaughter XXXX XXXX XXXX as she is beginning her journey in life. 

I'm besides myself there is no way that I can pay more than {$50.00} per month on this bill!!!! I had to leave school due to my XXXX XXXX XXXX as a matter of fact she took a student loan for me and was able to be given Charity as she is now on Social Security. 

Our generation is being set up to loose fresh out of school with " NEGATIVE '' credit scores that's it, your stuck there for the next 10 years. 

Please help me in this matter they continue to close account sell account & the cycle begins all over again. To be quite honest I work XXXX hour week 's which just covers my rent. Isn't there some kind of program that I could possibly qualify for. 

Thanking you in advance for your efforts. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT

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 2022-04-09 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX XXXX Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
When I finally called, I could not complain because the voice prompt did not recognize my telephone number. 

I am getting promotional offers vi a USPS which I want stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I tried to purchase a hotel reservation on a credit card, in preparation for a summer vacation. The transaction was declined. I called USAA credit card services to inquire as to why it was declined, and they said it had been flagged as fraudulent. I told them that it was not fraud and that it was indeed a valid purchase that I was trying to make. The representative on the phone verified the recent transactions on the card, and I confirmed they were all legitimate. The representative then pre-authorized the amount and asked that I try to make the purchase once more. I tried, and again it was declined. She said that it may take the system 24 hrs to reset and asked me to try again the next day. The next day, I tried to make a small purchase at a local store and again my credit card was denied. Once I arrived home, I tried logging into my USAA online account, but it seemed to have been locked. I called the number on the website ( XXXX ) to get assistance with unlocking the account. Hold times were 12+ hours. I held on for a couple of hours, but no one had answered. I tried calling later that evening, this time the automated message said their offices were closed. Basically, I had no way to access my accounts and no one to talk to about it. The next day, tried calling again, and hold time was 16 hours! So, I drove to one of their physical offices and tried to withdraw money from one of my accounts. After showing my driver 's license to verify I was the primary account holder, the teller stated that my accounts were locked and that she was unable to access my accounts to see why they were locked. Nor could I withdraw any funds from my accounts. She gave me another number to call ( XXXX ) and said I may receive a faster response this way. Reluctantly, I called that number. This time, it said hold times were 1 hour. But I couldn't get anyone on the line after 1.5 hours. I found another representative in the lobby and told them I wanted to escalate the issue. She took me to a room where she wrote up my complaint and supposedly sent it to their escalation departments. But she was not able to show me what she had written on my behalf and I couldn't confirm that a proper complaint was filed. She said a manager would get back to me in 24-48 business hours. I have yet to receive any communication from USAA informing me of what the issue is or how to resolve it. Nor do I know if/when I'll get access to my accounts or funds. I've even tried calling the main USAA number ( XXXX ) numerous times. The hold times are always upwards of 8, 12 and 16 hours. I've tried staying on the call for 4.5 hours, only to find that the office has been closed. This is simply unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Two money transfers were sent via money transfer to a bank account overseas. The money never arrived to the intended recipients. After numerous attempts to resolve the situation and get a refund, they promised to resolve the situation within 24 hours but failed to do so. I submitted my complaint almost 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} )XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$880.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX ( Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: DE

Complaint narrative:
Hello, Right after my XX/XX/2022 payment of {$2100.00} was debited from my XXXX XXXX Bank account, I immediately logged onto my Cross Country mortgage on XX/XX/2022 to pay an additional {$500.00} to be added to the XX/XX/2022 payment ( so, an additional {$500.00} principal curtailment ). However, instead, {$2100.00} was withdrawn, and applied to my XX/XX/2022 payment ( advancing my next payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
The college I was attending abruptly shut down altogether. I was less than a year from getting my XXXX XXXX in XXXX XXXX. XXXX XXXX never sent me my transcripts even though I repeatedly requested them in-person and via email. 

XXXX never suggested alternate schools that would be accepting my previously earned credits either. This was back in the year XXXX I believe, my loans defaulted in XXXX I think. In less than a week I went from going to my classes on a normal school schedule to the college shutting it's doors for good. 

I do not owe on my loans anymore because the contract I signed with XXXX XXXX was never fulfilled. XXXX XXXX violated their contractual obligations! They did NOT provide the services I signed the contract to pay for. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and 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 2022-04-09 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: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-09 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX and 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 2022-04-09 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: NC

Complaint narrative:
I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I bought a laptop from XXXX XXXXXXXX through affirm. The laptop arrived way too late and I contacted the company to allow return. After fighting with them over a year the laptop was returned but affirm is still trying to collect this and committing fraud trying to collect an account no longer owed. They also reported to my credit Bereau I was late but I dont owe this anymore its been sent back.

Company response to consumer: Closed with explanation