vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: MO

Complaint narrative:
after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place.

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce.

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXXXXXX XXXX job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.

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 2022-08-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX sold my card to Barclays and upon the transfer I was locked out of my card and account ( since XX/XX/2022 ). Despite working with Barclays and being assured I would not have late fees or interest accruing during the time I was unable to access the account, Barclays has continued to charge excessive interest and late fee charges, in addition to falsely reporting delinquency on my credit reports.

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 monetary relief
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got onto the hands of the wrong person.

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 2022-08-03 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: FL

Complaint narrative:
on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have got onto the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MO

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX XXXX purchased some household items from my wife and I. On the drive down from XXXX XXXX he lost his checks. He asked if we would accept Paypal. We agree and he added {$70.00} to the agreed upon {$2000.00} for the household goods. When my wife went to withdraw the funds XX/XX/XXXX she received an email from Paypal asking her if the goods had been shipped. She told Paypal the goods were picked up in person. Paypal then sent XXXX XXXX XXXX an email verifying this information. XXXX XXXX XXXX verified the information to be accurate. Paypal then informed my wife their would be a 4 day hold put on the funds. XX/XX/XXXX my wife tried to withdraw the by having a check mailed to her, to only receive a " Link a Bank Account " response. She then tried to link XXXX XXXX XXXX XXXX  and XXXX XXXX  accounts to Paypal. Neither institution responded to Paypal before the " ping '' timed out. She tried multiple times and failed at each one. I contacted Paypal XX/XX/XXXX using their " chat '' feature to fix the problem. I was given 3 different ways to fix the problem. None of them worked. I then sent an email to XXXX XXXX asking for his help. XXXX from the Executive Office tried to call me twice. I've sent him three email this week. I still can't get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03 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: AES/PHEAA
State: MN

Complaint narrative:
During the Pause of all student loan repayments, this company stated that My student loans were too old to fall under the stop. When I tried to dispute this they told me there was nothing they could due, because of the way the law was written. I did some research and found out that they lied to me. There was no date put on what student loans were supposed to be paused. They have been charging me interest and late fees for the entire time the Pandemic Loan pause has been in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-08-03 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TN

Complaint narrative:
XXXX, Equifax, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TN

Complaint narrative:
XXXX, XXXX, and Experian each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all XXXX companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and Experian are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 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 2022-08-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 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 2022-08-03 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: OH

Complaint narrative:
On XX/XX/2022 i received a box of XXXX  delivered from XXXX.Did'nt order them, so i callen XXXX to ask why i received them? I was told it was part of an order placed online and the rest of the order would be comming from the seller.It... they said was an adjustable camping cot with mattress and the total charge placed on my Barclays cc was XXXX XXXX I told XXXX i never ordered anything from them and stopped the order. I also called Barclay 's and filed a disputed fraudulent charge with them. Two months later on XX/XX/2022 i received a reversal from Barclay 's putting the charge on my credit card.The e-mail addy usedXXXX is not and never was an e-mail that i ever used.I nor my wife ever placed an order for this at XXXX Other than the XXXX we never received anything else from XXXX I brought this fraud to XXXX and Barclay 's XXXX. and stopped the transaction before it was finalized.I have tried so many times to resolve this with them that they ( WalmartXXXX XXXX XXXX will no longer take my calls! Post office says tracking # was a 1st class 16 oz or less pkg delivered which i never received.

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