vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Account is reporting collection with these account status of derogatory with a balance of {$240.00} with date open XX/XX/XXXX date less active as XX/XX/XXXX. I had previously disputed account as I do not recall having this account active with this creditor for that reason I was asking for them to delete. I am not sure if XXXX XXXX and creditor didnt get my letter because they have not recorded that account has been disputed by consumer and I do see that account on credit report has not change. I have also asked to verify or delete account. I have not received any kind of document stating that this debt belongs to me or that that account has been verified and account continues to report incorrectly on 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/2022 I ordered some products from XXXX XXXX. Four shirts, two earrings, two pairs of shoes, two pairs of earrings and a headband. They couldn't fulfill one of the shirts so they refunded it. When I got the package there was only one item in there... Pair of shoes. I emailed XXXX XXXX  and they said they would refund it and I opened a dispute with PayPal. PayPal is making it very difficult to get my money back, Even though the company said they would refund me. I sent PayPal all the information including the email. PayPal asked me to file a dispute with either the police department or the Iowa attorney general. I filed it with the Iowa attorney general and sent them the information. Still have yet to receive my refund even though I explained to them. I need the money. I needed clothes and I need the refund in order to do that for the stuff I didn't receive. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they don't care!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I applied for a 3-month Covid-19 loan forbearance in XXXX, knowing that I would be having financial trouble as a result of my family having contracted XXXX XXXX the month prior. I was told I was approved. One week into my XXXX forbearance I began to receive harassing phone calls to make my " late '' payment. The caller didn't know I was on forbearance and then told me I only qualified for ONE MONTH. Then told me that I had qualified for XXXX as well but I'd already made a payment for that month before applying so it didn't count. I applied in XXXX AFTER paying knowing I would not have money for the NEXT upcoming months. Then I received a letter saying I was only qualified for ONE MONTH, the month of XXXX. I borrowed money and tried to log in to pay for XXXX and it would not allow me to make a payment because it said I was behind on payments for XXXX, the month I was supposed to be in forbearance. 

I am a XXXX veteran with complex XXXX from the military and the XXXX XXXX XXXX. I just spent months in intensive XXXX XXXX treatment for a XXXX XXXX This is not okay.

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 2022-10-11 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:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is continuing to report inaccurate information on my credit file. 
Also, Equifax has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

Equifax sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, Equifax has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, Equifax is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, XXXX has a XXXX order judgement that expunged all XXXX fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX ' complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows XXXX XXXX bankruptcy case blocked. However, XXXX has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info

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 2022-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I was in a lease agreement at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was in a XXXX XXXXXXXX situation living in the property which the property manager was aware about. I stayed until my lease was over and I had a past due balance which was paid in full prior to me leaving. I tried to go back to my email receipts which the property manager sent me on XX/XX/XXXX stating that I was paid in full and now I'm not able to access the emails at all, it's now saying " This message can not be loaded '' as if it was tampered with. I've also reached out to the property numerous of times regarding this issue leaving voicemails and constantly calling throughout the days with no contact back. I'm very concerned with this issue because it's affecting my credit report and the last interaction I've had with this property ; I was in good standing.

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 2022-10-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy Court XXXX XXXX of Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: LA

Complaint narrative:
I tried to submit a dispute with XXXX online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and Experian. This same collection was removed once before on my XXXX on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times 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 explanation
Consumer complaint received 2022-10-11 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: PA

Complaint narrative:
The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On TransUnion my balance was updated and not my status. This has left me in a derogatory status on TransUnion and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of TransUnion as missed payment and currently late with an updated balance of XXXX from 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 2022-10-11 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: Self Financial Inc.
State: PA

Complaint narrative:
The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On XXXX my balance was updated and not my status. This has left me in a derogatory status on XXXX and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of XXXX as missed payment and currently late with an updated balance of XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Unjust Enrichment through Mass Cross-national Corporate Espionage Embezzlement of Private Financial Data using False Alarm channeled through a Federal Office. 

I now see no indication that there was an OPM data breach. What I now detect are false flags implemented to grift American Citizens into handing over financial data, including social security numbers, and credit rating control to a foreign actor. 

They used then Representative XXXX XXXX XXXX 's office to influence the public to do this. 
He sent a letter to that effect on XX/XX/2015. On that day I raised consternations about the OPM data breach events and XXXX XXXX 's suggestions back to the representative 's office. I detected XXXX to be a 'person of interest ' or organization of interest related to that hack. Ever since this occurred, I have personally been de-addressed, de-represented, and de-matriculated from the financial system, this includes not being provided a replacement social security card, and not having my claims to Congress treated by any member therein,. 

XXXX XXXX is now a senator, and XXXX turns out to be Experian, XXXX, one of the three major credit reporting agencies. It is a company headquartered in XXXX, not Texas, and led by persons who are not American Citizens. XXXX is not a part of the United States of America, and citizens of XXXX are not American Citizens. There status as a credit rating agency for American Citizens is a breach of Sovereignty and an absolute violation of the Declaration of Independence and other organic laws of the Union. Experian XXXX of XXXX masquerading as XXXX of Texas obviously exploited the reports of OPM data breaches ( whether they occurred or not ) to influence a member of Congress ( XXXX XXXX ) to then influence his constitutions to enrich Experians corporate database so that Experian could operate as a credit rating agency empowered over Citizens of the United States of America. This is racketeering, influence peddling, corporate espionage, and a hand-off of financial power from citizens of the United States of America to foreign nationals on an individual basis. 

See attachment. 
This complaint also filed as FTC Complaint Number 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 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NE

Complaint narrative:
Selected Concern : TI Detailed Comments : You put a charge on my account for XXXX. I didn't go to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX. This is the third time I have tried to contact you. Please respond. 
I have sent the required forms. They forwarded to XXXX XXXX and are blaming them for charged. Contact had been made XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. This is the same response over and over and I am still being forced to pay for services I never had. 

Dear XXXX XXXX, This email is in response to your recent inquiry. Our records indicate that we received your claim form and are awaiting a response from XXXX XXXX. Please contact our disputes department directly at XXXX for further assistance. 

Thank you for contacting Fortiva Customer Service. 

XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX  -- -- -Original Message -- -- - From : XXXX Sent : XX/XX/2022 XXXX PM To : XXXX Subject : Customer Contact Request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief