vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  ) completely refuse to update my account. 

I have notify them several times regarding this on going situation. This debt is currently in collections with TRANSWORLD SYSTEM INC. I have spoke with them as well, They said ; that the account CAN NOT BE UPDATED UNTIL THE ACCOUNT IS PAID IN FULL. 

However this is mortally unethical, this is preventing my family and I from a place to live. This debt is current and its has being paid by the Treasury Offset Program.Which a monthly deduction is drafted from my social security check every month on time. 

Unfortunately!!! As the world turns, unforeseen occurrences defaults us all. I fail into a finical strain, and was unable to make my payments. Immediately when I became stable again, I joined this Offset Program to get this debt handle. Also, the balance is incorrect as well. This TRANSWORLD SYSTEM COMPANY IS PREDATORY!!! They are overcharging me. XXXX!!!!! 

Therefore, it appears to me that I am being penalized because I fail on hard times. I served this country, and I feel this is unjust. 

Furthermore, this is constantly showing up on my credit file as a collection unpaid. This continues to show up as not being paid at all. This has been well over a year. This account is being paid as agreed and its my right, For it to show, that it is being paid as I have agreed. 

As a result, will you please get to the bottom of this terrible situation. We deserve a decent place to live. 

Thank you for your time, please get back to me at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
I made a purchase at XXXX. Product was damaged in shipping I returned product I supplied XXXX with return slip. XXXX acknowledged they received the item however my XXXX account is closed because of an unrelated security concern. And because of XXXX dies not have access to account informed me to contact back. When XXXX received notification transaction was disputed they agreed and refunded money. On XX/XX/XXXX chime has had my money and will not release into my account and XXXX considers order resolved because money was given back and will no longer assist. Chime has acknowledged they have the money however is stating dispute is still under investigation when in fact itll is resolved and the only reason it is still open is because chime will not process refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-20 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: TX

Complaint narrative:
please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: OH

Complaint narrative:
i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do XXXX nXXXX 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 2022-05-20 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: OH

Complaint narrative:
i went to the dealership and they said they will only have XXXX pull my credit but they had cXXXX XXXX  do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-05-20 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: TX

Complaint narrative:
please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: SC

Complaint narrative:
Date of transaction : XX/XX/XXXX ( had 3 days to cancel ) My mother XXXX XXXX XXXX ) started security service with XXXX and was satisfied with service. the initial term was 60 months at {$49.00}. No activation or installment charges. Auto payments were coming out. During this process I was with my mother because she's an elder. 

On XX/XX/XXXX a male approached our home and represented himself as an XXXX rep and told my mother that XXXX was being bought out by XXXX XXXX XXXX and needed to change out the alarm system. Rep wrote and handwritten note and had her sign that she cancelled the service. XXXX sent a card approx. XX/XX/XXXX to pay of XXXX. I called XXXX and paid. Shortly after XXXX system was installed an XXXX rep came by and ask why the sign was down. 

If XXXX was bought out by XXXX the contract end on XX/XX/XXXX. We called to cancel services once XXXX installed new security system. XXXX  services started XX/XX/XXXX. I told them I would send the system back and now they say that my mother owes {$540.00}. I feel that XXXX  rep took advantage of my mother while I was not in the home, and she did not have a full understanding. Also, I have several documents to provide if needed. My mother should not be charge anything since XXXX bought out XXXX. My mother has never had an email. The contract with XXXX should be honored which ended on XX/XX/XXXX. This is elder abuse, and I would like to file an official complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-05-20 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
At XXXX on XX/XX/2022 I called Sallie Mae in an attempt to lower my monthly payments or put my account into deferment. I was transferred to someone in a special department who enrolled me into a rate reduction program. I was told my original payment of {$450.00} would be reduced to {$210.00} for two years. I gave my first payment for XX/XX/2022 over the phone and enrolled in automatic payments for that amount. It was taken out of my account that same day. I was even read an agreement and agreed to terms on the phone and agreed to {$210.00} to be automatically taken out of my account monthly. I was on the phone for a total of XXXX minutes with Sallie Mae representatives on that day. 

On XX/XX/2022 I received an email that I was behind on my payment. I thought it was for sure a mistake. I got on the Sallie Mae chat in the app and told the agent it must have been a mistake and explained the above. The agent however stated that there was nothing on my file regarding a reduced payment program and that my payments would still be {$450.00} a month. 

I am a XXXX XXXX XXXX  student starting clinical rotations with random hours throughout the day. I can not get a job due to being a XXXX XXXX XXXX student and can not afford the whole payment. I was so relieved when the agent enrolled me in the reduction payment program and this has caused me significant XXXX  agony and XXXX as I'm trying to study for my board exams coming up. I hope there is a recording from Sallie Mae to prove that I was told that I was enrolled in the rate reduction program for 2 years.

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 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 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: Bayside Credit
State: CA

Complaint narrative:
BAYSIDE CREDIT - XXXX is reporting inaccurate late payments on my credit report. This account was paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: ME

Complaint narrative:
Hello, On XX/XX/22 at XXXX a.m. EST I was notified by text by my credit monitoring service ( XXXX XXXX ) of changes to my credit report : a new account had been opened. I was alarmed because my only recent attempt at opening a new account was rejected by thee lender. Therefore, I knew that this was not due to my own actions. I immediately reviewed my credit report and found that a collections report had been filed on XX/XX/22 in the amount of XXXX. 

The agency is Central Portfolio Control. The creditor is XXXX XXXX XXXX according to my credit reporting service. 

However, the issue that I am formally reporting to you is that the FDCPA was violated because I was never notified in writing of my rights to verify the debt, dispute it and was never given notice of it. 

I only became aware of this debt through my monitoring system 's fortunate ability to notify me that this collection had been posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I saw an ad on XXXX for a house for rent contacted the person set up a meeting to go view the house and he questioned it in the meantime if I would like to begin the application process and get approved I paid the hundred dollars for the application process and he said I was we were approved and asked if we wanted to do the down payment so that we can remove the ad from the online I told him I would pay partial of it and the other partial when I saw it and got keys made the transfer I never heard from him again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
There is an address, XXXX XXXX XXXX, XXXX XXXX, CA, that appears on my credit report. I have never lived at this address. When you XXXX this address, it is associated with a mail drop box/business. I was a victim of credit fraud and have contacted Experian over XXXX times to tell them this address does not belong to me. I have written letters, I have provided them with a police report, I have even asked them to XXXX the address. I have spoken to the fraud department, special services, and a supervisor. At this point, Experian is blatantly ignoring me and asking me to provide the same information repetitively. Please delete this address.

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 2022-05-20 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: GA

Complaint narrative:
Hi I am submitting this XXXX A 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 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