vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30 to 60 days later I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30 to 60 days later I have not received a response yet.

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 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
today XX/XX/XXXX i contacted transunon i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX  has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the transunion board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from capital one mentions nothing of the sort i read it .this account is XXXX XXXX years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: AR

Complaint narrative:
I am attaching my request to cancel and reimbursement letter I send ClearOne Advantage XX/XX/XXXX. Within the letter, my complaints are noted. 

A ClearOne close out rep called me XX/XX/XXXX. She completed the official process of canceling my agreement. 

She said the money in my XXXX XXXXXXXX XXXX account will be refunded with in 5-7 days so I haven't seen it yet. 

XX/XX/XXXX {$180.00} was the amount in the XXXX  account, upon checking my XXXX  account today XX/XX/XXXX XXXX took yet ANOTHER fee of $ XXXX bringing my refund down to XXXX. I want that {$8.00} back also. 

But nothing was mentioned on the close out call, of the remainder = {$1400.00} of the reimbursement I have requested. 

As my cancel letter states, I am experiencing significant loss due to being mislead Into using their service. 
I feel deceived and kept in the dark. 

I feel my request for reimbursement is very reasonable. 

Considering over the last 3 years. I have paid over XXXX in ClearOne and their partner XXXX XXXX XXXX Fees. 
While 2 of my enrolled creditors, sit neglected and my others have been paid a few dollars a month. How my account was positioned and heavy up front fees like that, these 2 creditors would have not been contacted to even discuss negotiating untill mid XXXX over 4 years after enrollment! 
That is unacceptable! 
That doesn't show my credit or creditors are in their best interest. 
I have to add how their customer service is Not of service. I have emailed countless times over the last 4 months and most go totally unanswered. When I do get a customer service rep on the phone, they don't know the latest on my issues and I have to start over explaining. Documents not attached. I have been told someone is to call me and a certain time, no one calls. I leave messages for a call back, no one calls. It's been a very disappointing experience. 

What I was sold on isn't the truth of the reality. If I had know what was really going to happen, I wouldn't have signed up. I decided I wanted to submit this complaint for one I need the reimbursement I have requested and it's important people know the truth behind this " service ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2022-01-31 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: DE

Complaint narrative:
I have contacted XXXX Transunion and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

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 2022-01-31 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: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I have contacted XXXX XXXX and XXXX concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: DE

Complaint narrative:
I have contacted Equifax XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
Trans Union sent me a corrected report with all the missing accounts, but when a creditor pulls my credit it still only show one new account not all the old accounts, causing harm to my credit.

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 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My phone was hacked and stolen from me on or around XX/XX/2022. The thief got into my phone which contained my ATM pin in the notes of it. He was able to send {$1400.00} dollars to himself as he hacked in to my pnc+XXXX with my account info that was already saved in my phone. I started a dispute which was denied and not found in my favor. As I have now recovered my phone and changed my pnc log in info, I called again to explain to a representative that this isnt fair, I was hacked. The representative told me I had to verbally give my pin to someone. Well that it is not the case as it was saved in my phone that was hacked and stolen from me, I advised the representative of that. She said she would add it to my account notes as I asked them to please re-dispute this for me. I also asked to speak to a manager. I was transferred to her voicemail, left a voicemail, and never had a call returned to me. Im so upset and the loss of money affected me being able to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Consumer Information Bureau
State: MD

Complaint narrative:
A company posing as XXXX has as phone number that is similar to XXXX 's phone number except the first three digits are XXXX instead of XXXX. This company knowingly deceives callers and attempts to sell them a {$300.00} consumer protection product. 

XXXXXXXX XXXX number is XXXX XXXX. Be careful not to call XXXX XXXX or you could be scammed by a company called Consumer Information Bureau who claims to be affiliated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
due to you not removing these inaccurate items off my credit i am being denied my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
due to you not removing these inaccurate items off my credit i am being denied my ability to obtain credit

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 2022-01-31 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 without 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 XXXXtransunion has me at a score around XXXX. 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 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

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 2022-01-31 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 without 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I am XXXX XXXX XXXX and I have a complaint about the inaccurate and damaging information on my account. I have a loan with LOANCARE LLC with the account number XXXX and I have always made my payments on time. For some reason I realized that there was a late payment on my credit report even it clearly states it is PAID. As you can see, I have a 0 balance on this account and always had a stellar payment record with this company. I already tried contacting XXXX, XXXX, XXXX and LOANCARE LLC with no successful resolution. There was definitely an error on their part. Please remove this account.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX, the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name XXXX XXXX and all other variations of such name/entity. Notice, it is a fact, affiant is aware, credit as defined in 15 U.S.Code 1602 ( f ), is the right granted by a creditor to defer payment of debt or to incur debt and defer its payment. In conjunction pursuant to 15 U.S. Code 1602 ( g ) creditor refers only to a person, meaning not the organization but only a natural person, meaning I, the affiant and the consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which may be payable on the face of the evidence of indebtedness such as a contract or by agreement. It is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ). Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by Discover, as seen in Exhibit A, violating 15 U.S.Code 1691 ( a ) ( 3 ). I was denied credit in this consumer credit transaction, which is an adverse action and in violation of USC 1691 ( d ) ( 6 ). Discover can not send me an adverse action and I have already completed the transaction when I did the credit application. This is aggravated identity theft because they took my business application and entered me into a consumer credit transaction ( knowingly took my business credit application and opened up a checking account without my permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate.

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