vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 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: TN

Complaint narrative:
I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, transunion & XXXX. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. 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 2017-07-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, XXXX & experian. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. 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 2017-07-08 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
There is an address on my credit report that is incorrect. I never lived at that address. I never applyed for anything using that address. I have no idea where that address is located. How I found out about that address was thru a debt. collection company calling me, trying to collect on a XXXX XXXX XXXX bill. I have never opened or appled for cable, or any other services that XXXX XXXX provides. The address on my credit report is XXXX XXXX XXXX XXXX Ca.XXXX. Address ID. # XXXX I have never in my life lived in XXXX Ca . or recieved mail at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax will not unfreeze my account. Trying to buy a house but Equifax says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.      XXXX  will not unfreeze my account.trying to buy a house but  XXXX  refuses to remove the alert or freeze on my credit report in which I did n't agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing LLC took over my mortgage. They sent me a mortgage delinquency notice inXX/XX/XXXX which was followed by a Notice of Default and Notice of Intent to Accelerate in the amount of {$1600.00}. In XX/XX/XXXX I sent them a letter requesting the months that the mortgage payments were not received. I provided them with copies of cancelled checks. I have never missed a payment on this loan. My regular payment is {$590.00}. I send them every month a payment for {$600.00}. XXXX, teller # XXXX, from Customer Care Support, responded to my inquiry on XX/XX/XXXX stating that the account serviced was transferred to them on XX/XX/XXXX. She indicated that the account at the time of the transfer was not current. She did not specify which months the payments were missing. She also sent me a payment history for my account for the years XXXX and XXXX. I paid some money to bring down the delinquency so as to stop the default notice. This has been going on from XXXX till present. My last letter requesting the missing payments was sent to them onXX/XX/XXXX. They responded sending me another payment history of my account which does not reflect a missing payment. My request is for SLS to simply state the months of the alleged missing payments so I can send them copies of my cancelled checks.
Currently my account is past due by {$360.00}.

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 2017-07-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are 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 2017-07-08 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: MI

Complaint narrative:
I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are 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 2017-07-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  will not unfreeze my account. Trying to buy a house but  XXXX  says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.     Experian will not unfreeze my account.trying to buy a house but experian refuses to remove the alert or freeze on my credit report in which I did n't agree to.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Every Credit Report is showing different scores.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Every Credit Report is showing different scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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:
incorrect Credit Scores are reported. Every Report has incorrect scores.

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 2017-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
O n  XX/XX/XXXX , I filed  a complaint with the FTC against  XXXX . This issue was supposed to have been resolved.  XXXX  sent me a device return packet and all devices were returned in   XX/XX/XXXX .  On   XX/XX/XXXX ,  I received a collection notice from  Diversified Adjustment Service on   XXXX   XXXX  behalf for {$1200.00}. I canceled the plan with  XXXX  in   XX/XX/XXXX  and  returned the devices so nothing further is owed. FTC  Complaint  ref #  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Pnc Bank not sending account information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: NY

Complaint narrative:
I am submitting this complaint about XXXX credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is  reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have 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 2017-07-08 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: NY

Complaint narrative:
I am submitting this complaint about experian credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On X/XX/2017 Convergent Outsourcing Solutions included a derogatory debt on my credit report without proper debt validation which was requested on XXXX XXXX, 2017. I have no contract with Convergent to collect debt from me. They have called my job repeatedly at XXXX and have put me in jeopardy of losing my job even after I have asked for debt validation. Which is a signed contract and not a statement telling me how much I owe them. This company negative reporting is having a negative impact on my credit worthiness being that it is the only negative reporting 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 2017-07-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have obtained a new copy of my credit report while going through it carefully I noticed that on several accounts Experian has placed in the 'Status Details ' in the 'Your Statement ' area. This is evident because other accounts have this placed in that area. <P/>I have not noticed until now that it is suppose to be the outcome results but they have deceptively placed things that I have not authorized to be there, nor made a determination to those exact statements that are used by CRA 's placed there. <P/>These accounts are XXXX XXXX with a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. <P/>XXXX XXXX : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, which I never disputed there is a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXX, which I also never disputed there is a statement that reads : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, in which I had 2 accounts because one car was lost/stolen and that was the one was disputed but the current account that is listed I did not dispute however it has a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher I do not understand why statements of this nature are being placed as if I suggested this in the manner and context of this verbiage. You as an advocate on my behalf to ensure that accurate and truthful information is being reported. I believe that you definitely understand that this IS NOT accurate reporting.

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 2017-07-08 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: FL

Complaint narrative:
I submitted a complaint to Transunion about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!

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 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Step 1 : What is this complaint about? THIS COMPLAINT IS ABOUT XXXX/XXXX XXXX. <P/>Step 2 : What type of problem are you having? I HAVE BEEN TRYING TO CLOSE THE ACCOUNT AND THEY KEEP ADDING AMOUNTS TO MY CREDIT CARD THAT I DO NOT OWE. <P/>Step 3 : What happened? ON STATEMENT FROM XX/XX/XXXX - XX/XX/XXXX I OWED {$200.00}. I PAID THROUGH XXXX  XXXX ON XX/XX/XXXX I PAID THE AMOUNT OF {$100.00} AND ON XX/XX/XXXXI PAID THE AMOUNT OF {$100.00}. Then after I paid they charge me the amount of {$2.00} and I paid through XXXX XXXX XXXX XXXX. ( See Attachment ) After this payment they claimed that the payment was returned and it was not true. t and then they claimed that {$100.00} was returned and is not true, because ( see statements. ), they claimed that was returned on XX/XX/2017 and the payment was done on XX/XX/2017. What they did was to charge {$100.00} and it was fraud to my account because I reported XXXX XXXX for Fraud from XXXX and I did not authorized any withdrawing of money from my account. Step 4 : What company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX AND 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