vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Receive letter from XXXX XX/XX/XXXX received phone call from XXXX XXXX acknowledging they did pay out money out of the account to Western Union in XX/XX/XXXX {$1300.00} Western Union has no record of the transaction theres no transaction number received letter from XXXX that I still old this debt to XXXX XXXX  I have been communicating with XXXX from XXXX XXXX XXXX XXXX for the past week who was helpful enough to let me know that money was paid out from XXXX XXXX XXXX  to Western Union and I was not aware of this all this time that Ive been disputing the facts so there is money that was sent out to Western Union whether Western Union still has the money or whether the money was transferred onto XXXX XXXX l have no record of it and Im still responsible for the debt. XXXX  see if they rolled off the amount so it looks like they did not receive it. So where is the money does Western Union still have it in an account? I would like to know where the money is who received it so that the debt can be closed appropriately documentation of receipt of the payment. I can be reached at XXXX thank you for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are all inquiries that i did not authorize. My identity was stolen back in XXXX and also i was contacted saying that my information was in a data breach and every sense i have been seeing inquires that i did not authorize. I have contacted Equifax and they stated they can not remove them and that i would have to file an FTC. I would like to have these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NC

Complaint narrative:
Here we go again! 

Omission from the credit report is a problem. Intentionally deleting data from a credit report and refusing to fix it should be a crime! It fraudulent to sell bad data and defamatory to spread incomplete and harmful data on someone. 

Equifax deleted the entire record of my XXXX revolving credit account from my credit file impacting my overall credit picture and credit score to companies paying good money for this information and who may lose money and business by rejecting a more than qualified customer. The account deleted is over 36 years old, uninterrupted, with a superior payment record, has a substantial credit limit and I use almost exclusively. It contributes substantially to my FICO score and the longevity shows highly responsible credit utilization over three decades. 

After repeated attempts to get this account back on my credit file, Equifax refuses to do so with various pretexts and excuses, even blaming XXXX for not transmitting the data- never mind that their competitors, XXXX and XXXX, have no problems. 

Today I received a notice from XXXX that my FICO score had changed - ironically, they use Equifax to generate a score. For no reason at all, it had dropped 54 points. Nothing in my finances had changed. The two standard blurbs given for what caused the drop was the length of my credit history was too short ( 36 continuous and documented credit history is too short? ) and that my credit utilization was too high ( it looks that way when you do not mention the substantial credit line I have on the deleted XXXX account ). This is a clear example of the harm against me given that XXXX routinely obtains a soft inquiry with Equifax as part of their maintenance of my account to decide on interest rates I will pay and credit limit I merit. I will continue to advocate to XXXX they change to XXXX or XXXX to get their money 's worth and complete data. 

Why did Equifax delete the record? Why won't Equifax restore it? Why is Equifax intentionally defaming my credit score? 

Today, the Equifax representative I called at XXXX simply hung up on me. That triggered my contacting the CFPB on this matter again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: IN

Complaint narrative:
Nationwide Credit called my cell phone on XXXX and asked for my mother, XXXX XXXX. I explained that she is XXXX XXXX XXXX, very ill and in hospice care and she does not live here, and her only income was social security that she does not even get anymore. I explained that I am her daughter, this is my personal cell phone number and please do not call me again. On XXXX XXXX called again, I explained again that I am not XXXX XXXX and that is my mom and she does not live here, very ill, etc. the representative was very rude and called me a XXXX as she disconnected the line. On XXXX Nationwide called again, I explained for the XXXX time that I am not XXXX XXXX, this is my personal cell phone. I also told them that is this is the XXXX time that you have called asking for XXXX XXXX and to not call me anymore. Approximately XXXX minutes later I called Nationwide Credit to make sure that they remove my number from there database. They said I am not in there system, I explained I know I am not in your system but my mother XXXX XXXX is and she is who keep calling my cell phone for. Nationwide said they can not remove me as I am not in there system. I am tired of Nationwide harassing me. It is difficult enough to face the upcoming passing of my beloved mother, I should not be subjected to XXXX from Nationwide Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-02-04 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: SC

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 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 2022-02-04 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: NJ

Complaint narrative:
Transunion keeps on readding a debt collection that is a result of identity theft that doesn't belong to me. The Debt Collection agency reached out in which the debt collection has been removed from my other XXXX  bureaus however, transunion keeps playing with my credit report by re-adding this debt when it was the collection company themselves that had removed it from all 3 bureaus. Attached I will include the statement from the debt collection agency after an investigation reliving me off this debt. I need transunion to stop these illegal actions with my credit report or I will end up suing.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old 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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have a credit card with Elan Cardmember Service, today I discovered an excessive interest charged of {$60.00}. This is more thatn any other charges from other compaines. I attempted to resolve with a representative of Elan and what I experienced was a very nasty and unprofessional person. I have attached XXXX billing and ask that this be resolved. See attached.

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 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Per the law Student Loans may not be discharged during Bankruptcy. In 2009 my wife XXXX and I filed Chapter XXXX. We had to exclude our student loan from the case. Our loan at the time was with Sallie Mae, then Navient. During the 5 years of our chapter XXXX, our trustee made payments to XXXX. The total was over {$13000.00}, which would equal the 5 years of payments. 

Per the Waiver, these payments for PSLF will not count because the account states Forbearance/BK. 

I received my Navient Billing progress. Navient, continued to collect interest on my loan during the entire 5 years of our Chapter XXXX, Navient did not apply any of the payments made to XXXX. 

As. of today those payments have not been applied, instead, Navient charged fees each month, capitalized interest, charged late fees, applied transfer fees. 

These payments need to be counted for PSLF because they were made and would give me my 120 payments needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: IL

Complaint narrative:
I have new information pertaining to a complaint I submitted to Equifax on XX/XX/2022. They responded to my complaint on XX/XX/2022 and their response is another violation. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ), this elaborate mechanism continues to give me generic and automated responses. They need to conduct their own investigation about my issue pursuant to 15 U.S.C 1681i ( a ) ( 4 ). I have a right to a reasonable investigation from Equifax. Also, pursuant to 15 U.S.C 1681i ( a ) ( 5 ) ( C ), Equifax needs to make sure that this unfair and inaccurate reporting shall not show up on my report again. This issue lies directly with XXXX XXXX  and XXXX XXXX  because they continue to report a balance that I am not obligated to pay and Equifax continues to leave this negative information on my consumer report when pursuant to the FCRA they need to follow my directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 XX/XX/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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to myXX/XX/XXXXdaughter 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 2022-02-04 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: AR

Complaint narrative:
XXXX XXXX is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.

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 2022-02-04 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: AR

Complaint narrative:
XXXX XXXX  is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: AR

Complaint narrative:
XXXX XXXX is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.

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 2022-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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