vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted IDS some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? do you think I will not call upon the fire of God to wipe you all out? Read this carefully. I pledged a prayer that anyone who is partaking in the crime against me for no weapon formed against me shall prosper, as I ask for every second you delayed and worked hard to burden my with slander and negative remarks the fire of God lite your body on XXXX that every breath you take you remember the people you hurt. while you are in the hospital while you are coughing blood may every one who you slander and burden their energy and karma comes back at you full speed to take over your lives, finances children and grand childern. I put a spell on you for not cooperating and slandering me. and if you go ahead and start doing your job and start removing these negative remark from my file then I ask the fire of God brings blessing upon you. Yeah you can make your own destiny! but you can't stop me from cursing you everyday and testify to the highest power and bring you in the highest court of courts. You see the queen of XXXX died! no one survive this and you will face the creator! and I am a witness and i will never cease until you fix my recoreds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Millco Management
State: FL

Complaint narrative:
Complaint goes for both Amerifinancial solutions for {$3500.00} and XXXX XXXX XXXX XXXX FL XXXX on XX/XX/2020 {$920.00} I don't recall ever borrowing anything or owing anything to anyone for sure need it disputed as same goes for this Company Amerifinancial solutions for about {$3500.00} that I never recall borrowing, owning or associating with ever and I need this also disputed. Also I says on my XXXX XXXX XXXX XXXX the middle name needs to be XXXX instead of XXXX. My new phone number on my credit report is XXXX I'm locked out of XXXX at the moment and their shouldn't be any other cell phone number on file. One more thing is the only address on file Should be XXXX XXXX XXXX XXXX FL XXXX all other addresses need to be deleted and disputed immediately thanks. - Best regards XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Credit report shows I opened a account through Barclays you promise XXXX that I did not apply for and was approved for {$20000.00} I called the company they said they couldnt close the account because someone filed for a lost or stolen credit card I have frozen my credit but Barclays opened another account under XXXX and there security team said they cant stop whoever it is from opening up more automatically that I would have to call them every day

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 2022-09-13 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: AZ

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. 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
Consumer complaint received 2022-09-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: LA

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Over a month ago I submitted CFPB complaint # XXXX and the response by TransUnion was useless and a complete lie. I again attempted to log into my paid credit monitoring service with TransUnion and I was still blocked. I have since contacted TU customer service and they removed the block again -- for the fifth time -- and for now I can log in. 

However, even after logging in, TU will not provide a daily update to my credit report. Every time I attempt to update my credit report via the TransUnion Credit Monitoring portal, I click on the box stating " I agree & confirm '' to the account terms and then click on " Continue ''. A small star-shaped circle revolves and it revolves for up to XXXX an hour and my credit report is never provided. 

I pay TransUnion for this service and they defraud me by not providing the service for which I paid. 

However, if I pay them an extra approximately {$30.00} each time, they will immediately provide a 3-bureau credit report. So in order to update my TransUnion credit report every day as provided under the terms of my paid credit monitoring, I am really forced to pay TransUnion {$900.00} every month since they defraud me of the ability to refresh my TransUnion report -- per the terms of my {$14.00} paid credit monitoring service -- any other way. 

When I call TransUnion customer service, I only get their overseas representatives who struggle to properly understand rudimentary English. They have given me several excuses why I am having problems ranging from connecting via a VPN to connecting via an overseas IP address. 

Since I am currently stationed overseas, it is impossible for me to NOT connect via an overseas IP address. Failing that, I would have to use a VPN. It seems that TransUnion has thrown over XXXX US service members and their dependents stationed overseas under the bus, bit still collet {$14.00} from them for paid credit monitoring.

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 2022-09-13 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX 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 2022-09-13 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: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted XXXX some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-13 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: FL

Complaint narrative:
I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted XXXX some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
Called MOHELA XX/XX/29 asking for a reinstatement of my loan, and asking to initiate a refund since I have made payments during the Covid-19 pause to eventually pay off my loan. 

The first agent said we cant do anything about it since your loan is paid off which I knew wasnt true based on other people in my shoes and their experiences. This was after a 15 minute hold. 

Then called immediately after as things didnt feel right. The next agent said we can submit this request now absolutely. She read exactly which payments I made that would be refunded. Then, she gave me a 7 day wait time for the loans to be reinstated and up to XXXX for the refunds to be processed to my bank account. It has been 15 days and my loan still isnt reinstated. 

Time is sensitive as the application portal will open soon and the loans need to be reinstated by then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation