vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion 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 XXXX 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 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I called to apply for a loan at Navy Federal Credit Union via phone with a live agent. The purpose of the loan was to consolidate credit card debt. Once the details of the loan were explained, I verbally asked the agent for clarification if I was understanding correctly that interest would not accrue until XX/XX/2022. I intended to pay a significant portion of the loan before the date provided to avoid major interest. I made the decision to go forward on the load based on the information the agent providedprimarily the fact that I wasnt accruing interest until XX/XX/XXXX. I would like for this issue to be resolved by XXXX XXXX taking responsibility for the information its employee provided by waiving the interest until XX/XX/XXXX as I understood it would be based on the information given. 





Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}

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 2022-09-01 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: NJ

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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  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 XXXX  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 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NJ

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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX 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 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 XX/XX/XXXXn cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XX/XX/XXXXnow. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/XXXX I made the purchase of a money order for the payment of my rent, by XX/XX/XXXX they notified me at the rental office that the money order was not charged due to not having funds, which is absurd since how to know a money order is understood as cash because the debit is at the moment, I called my bank and they notified me that the debit was made correctly without problems and that I actually had the funds, so the problem had to be with the company XXXX XXXX with whom I purchased it. 

I contacted them and it was impossible for them to help me since they only directed you to a web page to supposedly open a case and on that page it told me that when I open a case " supposedly '' they would automatically send the replacement of my Money order in 7 days at the latest while they found out what could have happened. 

As of today I present a delay with the rent, they are charging me late for the delay and additionally they are charging me for the supposed return of funds that I should not assume because I had the money and the debit was made correctly. 

I try to communicate with them and they only talk to me as if they were machines indicating that they can not help me by phone that I must enter the page and write a comment as of today I have not received the replacement of the money order or the deposit in my account, this is causing serious problems with the place where I rent and they do not give me answers. 

My money is withheld and it's been more than two months since I bought the money order and almost a month of waiting for the answer and resolution and nothing, I'm desperate I don't know where to turn or what to do, it's my money and it seems to me It's unfair to be going through this and that they don't support me or give me a precise answer since they don't even want to answer me by phone even though I even asked them to speak to a supervisor. 

I send the data of the money order as well as my data and the case number Money order : XXXX Amount : {$870.00} Date : XX/XX/XXXX Case : XXXX Name : XXXX XXXX Payable to : XXXX XXXX I started receiving emails from them on XX/XX/XXXX where they asked me for a copy of the money order and on XX/XX/XXXX I sent it to them, since that date I have received a response as to what happened and I have not received the replacement refund to my account. 

I really hope you can support me I'm desperate. 

Greetings XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON EQUIFAX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, EQUIFAX SAYS SETTLEMENT ACCEPTED, XXXX SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA GA XXXX XXXX XXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH XXXX AND EQUIFAX XXXX XXXX IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE XXXX DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED. 
XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XX/XX/XXXXACCT # XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have sent validation letters for debt attached to my name to XXXX XXXX XXXX XXXX XXXX Comenity Bank ( Kay jewelry ) and XXXX XXXX XXXX XXXX None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: SC

Complaint narrative:
These companies are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER 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 non-monetary relief
Consumer complaint received 2022-09-01 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: TX

Complaint narrative:
I am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}

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 2022-09-01 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: TX

Complaint narrative:
I am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX XXXX : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX  XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to resolve this issue with Experian for some time now. I received a response from Experian on XX/XX/2022 report # XXXX and report # XXXX on XX/XX/2022, I have send letters to Experian requesting they provide me written proof of verification for the late payments with XXXX and Dept of Ed with accounts numbers that begin with XXXX. Experian has violated my rights and is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
When did I give them written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been violated and because of these inaccuracies being a single parent I have been unable to secure a home loan for me and my children. We have suffered greatly.

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 2022-09-01 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation