vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE SEE FTC REPORT 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX has sold an account to XXXX XXXX XXXX. XXXX XXXX has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on Equifax. XXXX and XXXX have removed this inaccurately reported information. XXXX XXXX needs to be fined along with Equifax regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now Equifax is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the credit XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for XXXX XXXX which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I closed an XXXX XXXX account several years ago MYSELF and Transunion just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received information that Columbia Debt Recovery inquired into my credit about an unpaid debt for an apartment lease I was assigned to me in fraud. The lease was opened on XX/XX/XXXX and signed until XX/XX/XXXX. A move out notice was given, and the move out was XX/XX/XXXX. The apt building was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I called into NAVY FEDERAL XX/XX/XXXX XXXX was transferred to a supervisor by the name of " XXXX XXXX, XXXX refused to start a investigation for me concerning the return of ( 4 ) remittance / coupon payments. Each payment was received BY NAVY FEDERAL XXXX XXXX XXXX XXXX VA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX They have not been rejected, dishonored or returned, NAVY federal has kept my form of payment way past conditional acceptance time period. I have called NAVY FEDERAL several times & have been met with nothing but rude, inappropriate customer service reps. They used their personal experiences & personal reasons as for reasons they will not open a case for my missing payments. this is a VIOLATION of my rights as a consumer with NAVY FEDERAL. I have been disregarded and giving no information on where to send remittances. I have done research on my own to find the correct location for my private payments with no help from NAVY FEDERAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I closed out my XXXX Credit card ( XXXX CARD ) in XX/XX/XXXX. I spoke with XXXX and they agreed there should not be a derogatory remark on my credit report. I also spoke to Experian who also did an investigation and they agreed with me as well back in XX/XX/XXXX. As of today XX/XX/XXXX, my credit report still shows a negative remark for XX/XX/XXXX when I closed this account. For goodness sakes, pleaser help me get this negative remark removed from my credit report. For whatever reason, Experian will not remove it from my report, and this negative remark only shows up on Experian. It looks to me like they just want me to pay for boost to have them clean it up but that's extortion, and I shouldn't have to pay to have it removed. No other credit reporting agency shows this negative remark, and the mortgage company I am using only uses Experian. Sounds like a scam to me. 

I have not missed a payment on my credit cards for as long as I can remember, so this negative remark is XXXX. Plus add to this nonsense that I have been reducing my credit card balances for substantially over the last three years and yet Experian has chosen to rapidly decrease/increase/decrease my credit score over the last couple of months with large point swings just as I am trying to get a mortgage. This is absolutely ridiculous. 

Ever try to get Experian on the phone? It's next to impossible as you get caught in an endless recorded loop that does not end up with a live agent. What a total scam of a company, I wonder how much they kick back to the mortgage companies to use their horrible reporting service. Lastly, when I was able to get someone on the phone a few months ago, they told me that they don't make up the score, only report it. What are they talking about, it's there credit score that they calculated from their credit factors, so that makes no sense at all?

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, and XXXX  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.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.

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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I HAD VENMO FOR YEARS. I TRANSFERRED {$4900.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS. 
INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$4900.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Speedy Cash has sold an account to XXXX XXXX XXXX. Speedy Cash has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on XXXX. XXXX and XXXX have removed this inaccurately reported information. Speedy Cash needs to be fined along with XXXX regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now XXXX is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the XXXX XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for Speedy Cash which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have had issues with equifax credit bureau. I have tried to go for loans starting with my own bank XXXX XXXXXXXX XXXX for a loan in the month of feburary 2022. I have spoken with my bank here in XXXX ohio and it turns out that i was rejected because of Equifax. I asked equifax to remove the security freeze from my credit profile twice on XXXX seperate occasions and it still turns out that they have a blockage on my credit report. 

Equifax kept the security freeze on my report even after i have asked them on XXXX seperate occasions to remove it. XXXX XXXXXXXX XXXX tried several times to pull my credit and they could not becuase equifax still has a security freeze on my credit report. 

I want the freeze lifted os that i can apply for loans and credit cards this act is very discriminatory that a bureau says that the freeze is lifted and its not. I lost my loans and credit cards because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
This latest report is in connection to report number : Complaint Number XXXX. 

On XX/XX/2022, I contacted the Money Network Customer Service at XXXX via phone and reached a representative by the name of " XXXX. '' I briefed Money Network through several phone calls of the escalating unauthorized charges to my debit/credit card and the lack to provisional credits from Money Network to customers that are victims of fraudulent activity. XXXX directed me to go back to the property where the fraud occurred, and provide the manager with an email to Fiserv. When I asked XXXX, " What is Fizerv, '' XXXX began to stumble on her words. I continued to ask XXXX something like 'Why is Money Network asking me to go back to the property were fraud occurred to provide an email address and contact information for Fiserv ? ' XXXX informed 'Fiserv is an account [ inaudible ] with/on [ inaudible ] money network. ' XXXX then put me on hold for a long period of time. The phone call was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: AmOne Corp.
State: IL

Complaint narrative:
So because Illinois closed the payday loans I had no other choice but to look online for a quick loan. I searched and found AMOne as they explained they pair you with lenders. Their system routed me through a series of lenders and I was matched with a supposed lender " The online lender took all my information including photo ID because they don't have a physical office.

Once I completed the application I did not receive any additional information. Of course I called AM ONE and now told they don't know which lender it was and so forth and so on. I feel stupid for trusting online however, I have no other choice but to file this complaint. I am certain my information has been sold on the dark web. So now I am going to close my bank account and open a new on today with XXXX XXXX XXXX. Also see what else I can do to protect my identity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXXXXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX Select Portfolio Servicing Inc. was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over XXXX phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in Colorado. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company XXXX seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you

Company response to consumer: Closed with explanation