vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Xtreme Products LLC
State: GA

Complaint narrative:
I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX  college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop XXXX  together we have had enough

Company response to consumer: Untimely response
Consumer complaint received 2022-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Material Fraud - Paid to XXXX, XXXX on XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$7500.00}. 

The XXXX was paid in full but never showed up to complete the assignment/job. 
On or around XX/XX/2021, XXXX provided us with a tailored slide deck to describe their services and capabilities to XXXX XXXX XXXX and what they would deliver, namely a fully fleshed out Financial Model, Business Plan, and Investor Presentation, with followup Revision Cycles to bring their draft deliverables to a final. 

XXXX timeline was slipping but we kept working with them in good faith. 

Repeated failure by XXXX team members to even show up to meetings that XXXX planned and scheduled with XXXX XXXX ; Failure to provide a semblance of a PPA over the preceding months and months of nondelivery ; Repeated failure by XXXX team members to return increasingly urgent calls, emails and texts from XXXX XXXX trying to get answers as to why the draft document was completely missing a huge part of the core business plan related to the PPA and numerous technical details Failure to provide any final documents within the agreed timeframe and further failure to provide any useful and complete deliverables at all, immediately after our final payment. 

XXXX and Barclay the merchant was unwilling to work with me to resolve the problem or if you can't come to a compromise with the merchant that leaves you satisfied, the Fair Credit Billing Act and federal law do give you the right to dispute charges for transactions that you're dissatisfied with. I sent in the documentation, but they said they never got the documentation, but I have physical copy of the letter head document outlining the follow attachment below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: LA

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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:
Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
I received an alert on my credit of an account registered on it. I did not recognize it and alerted the company of the card. They told me they are close the account but hasn't. In XX/XX/XXXX the account was open with EXTRA XXXX, I immediately told the company its not my account and I want it cleared of my credit. They told me they would. But as off XX/XX/XXXX the account is still on my credit and it has not closed. The company does not answer its phones and all calls goes to a voicemail. XXXX XXXX has ask me to file a complain to clear my name and get this account closed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
My car has been in and out the shop for repairs Im paying every two weeks I dont feel Im getting my moneys worth out of my car Im having to pay people to take my husband back and forth to work havent had the car thirty days its not far Im out of more money and youll are winning Im trying not to file a lemon law on this vehicle. I have even ask them to let me trade out the car and Im not getting any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade reported XXXX late payments in 2020 in error. They acknowledged the error ( eventually ) and posted a correction. But later Upgrade re-reported the late payments. Again I disputed, and they corrected. This cycle now won't stop. Each time they report the incorrect late payments my XXXX score plummets. The cyclical nature of this has kept my score low for two years, negatively impacting my costs with insurance, rent, credit card rates, loan rates, and more. 
XXXX continues to accept the errant reports, even though they know this data is inaccurate. XXXX acknowledges on the phone that they can see this cycle, but won't take any steps to help me correct the problem, including the simple step of sending to me in writing that they are reporting what Upgrade keeps sending them. 
Upgrade insists that they have corrected the problem, and will not continue to address/correct the issue. They no longe answer my calls or respond to email inquiries to escalate this problem to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Equifax can not explain to me why my credit score has decreased. I use XXXX XXXX and my Equifax score is significantly lower than XXXX ( XXXX points lower ) and XXXX ( XXXX points lower ). On XX/XX/22 Equifax reported a XXXX point decrease from XX/XX/22 and per the XXXX XXXX 's credit report for Equifax the XXXX changes on my report were that XXXX of my accounts had a balance decrease. I spoke with an agent at CFPB and they informed that I should contact Equifax directly prior to filing a complaint with your agency. I got a free copy of my credit report from Equifax which has the exact same score as XXXX XXXX. I spoke with an Equifax agent and asked for justification of the decrease. He attempted to give me a lesson on credit. I told him I had a pretty good understanding of how credit works I just needed to know what changed in my credit to cause a decrease of XXXX points in my credit score. I told him that I have not used any of my credit cards in the last month to increase my balances, no late or missed payments, no new credits applications so to my understanding of how credit works my score at the very least could have only stayed the same but by the other 2 agencies my score had actually increased for the reason that balances were paid down. He attempted to tell me the same thing. I asked for the call to be escalated to a supervisor who attempted to tell me the same thing. I was told they did not know what my score was on XX/XX/22 and could not tell me why it decreased XXXX points. I would think if a company has so much power over something so important and critical to consumers today they must be held liable to justify the reasons for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX XXXX  XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: IL

Complaint narrative:
I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: IL

Complaint narrative:
I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX  XXXX Bankruptcy 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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have contacted all 3 bureaus, letting them know i have never been late with XXXX i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXXXXXX XXXX accnt # XXXX date opened : XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have reached out ( made several attempts ) to reach the team at LexisNexis and XXXX regarding ordering a certified copy of my birth certificate. As requested on their website, I uploaded a picture of my current driver 's license in order to verify my identity. I placed the birth certificate order using the name that matches my driver 's license and the name that matches the credit card I inputted on their site to cover the processing fee. -- Because I knew that there was a name variation on my original birth certificate, I included the name given AT BIRTH on the order form. -- My order was REDFLAGGED due to the name variation, and I have been bombarded with non-stop interrogations by XXXX 's XXXX XXXX regarding the name variation. The name that I currently use has been in use for over 50 years -- from elementary through college. It is consistent with the name shown on my social security card and is consistent with all other governmental agencies. XXXX, a division of LexisNexis should not be used as an extension of any local or state agency 's records processing. Their Customer Service team is abusive and offensive to the public at large.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had opened a Paypal account. I was sent money from a company for a sale. ( I am a private citizen, not a business ). They put a hold on releasing the money because they wanted to verify the item was delivered. The purchaser gave them that information to confirm that the items were received. I was assured by Paypal that they would release the funds. They would not release them and asked me for 4 other types of personal information. I called back again and they still would not release the funds. I asked for a supervisor and they disconnected the call. I looked on XXXX at their webpage, and there are hundreds of complaints from people saying that Paypal is blocking funds for no reason. This needs to stop. I need those funds emergently and they are acting like big brother. If they want to take this responsibilty to the world, they need to change and fullfill what their promises are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2021 I purchased two monitors through XXXX. financed by affirm.com. 

On XX/XX/XXXX, both monitors started having an issue with the USB C connection, and the next day they stopped working completely. 

At the time I was still on the return window, however, XXXX refused to return since I did not have the original box and original packaging. 

They have rerouted me to go through XXXX manufacture warranty. 

From XX/XX/XXXX till XX/XX/XXXX I have been back and forth with XXXX XXXX, returning monitors and sending monitors back. I don't have them anymore with me and after speaking with XXXX again today they don't think it is a warranty issue. 

At the end of the day, I am paying for something I don't have and was delivered to me defective. 

XXXX points out to Affirm if I have an issue, Affirm points out to XXXX, XXXX points out to XXXX and XXXX points out defective unit sales at XXXX. 

And I am paying for something I don't have and something that does not work from the time of delivery. 

Affirm refuses to do any dispute and is not willing to hear me out or help me address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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:
In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX MORTGAGE XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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