vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transcontinental Credit & Collection Corp
State: NY

Complaint narrative:
Trans-Continental Credit is in violation of Regulation F Their letter to me fails to disclose the last date the creditor sent me a notice and the amount due on the date of such notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
I paid XXXX XXXX  via PAYPAAL and the company has delayed my order for 6 MONTHS this is insane. they verbally tell me I can cancel, and yet they refuse to cancel. I called the furniture manufacture directly and spoke to XXXX XXXX at XXXX she advised me that they have a contract with the seller and that must be honored and I have to work via them. They refuse to ship my order or honor my desire to cancel. they are a fraud and are not abiding by their published policy on cancelation. I am seeking full refund. 

Paypal is the payment provider i used on this and i am needing my refund. the company continues to delay until we reach 180 days to which at that point i am fully liable for the XXXX that i am owed back for my canceled order. All i want is for them to process my requested cancellation and refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MD

Complaint narrative:
XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This 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 non-monetary relief
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX have 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 explanation
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
Experian and XXXX are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : 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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I got a loan for a diamond ring from Jared Galleria for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier. 

Following this they sold the debt to XXXX XXXX as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire Jared Galleria listing in my credit report, but also the collection account from XXXX XXXX 

( By the way, the XXXX balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with Jared Galleria, XXXX XXXX and all 3 credit bureaus. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: I.C. System, Inc.
State: NC

Complaint narrative:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is about a potentially negative item reported on my credit profile by : The University XXXX XXXX XXXX XXXX XXXX XXXX XXXX These two organizations have opened a collection account in the amount of {$700.00}, under my name as a delinquent payment. 
All attempts to make them remove this erroneous report have failed. 

Here is what happened On XX/XX/XXXX, I got an offer from the University XXXX XXXX to do an XXXX program. 
On XX/XX/XXXX, I made a payment of {$1100.00} for the XXXX registration On XX/XX/XXXX, I deferred my admission. This is because my job assigned me to a project that made it unfeasible to continue with the program. 
Because the deferral was completed within the allotted time, the university promised to give me a refund for the tuition that I paid. However, after many unsuccessful attempts to get my refund, I gave up and stopped contacting the school. Only for me to see it appear on my credit profile, this year XXXX. 
I have disputed this report with Experian and submitted documentation to prove that I do not owe the University any money but still, I have no idea why Experian will not remove this from my credit report. 
I also do not know why the University thinks I owe them money, even the credit collector can not offer a good explanation about the money they say I owe. 

Now I'm interviewing for a job right now and their background check is alerting me of a potentially negative item in my report. I have been without a job for over a year and I can't afford to miss this opportunity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I had made a express transfer of {$1500.00} through western Union which is advertised as XXXX hours server but the amount has not been credited yet. After calling a couple of time representative confirmed the transaction has been canceled without any reason and you will get your money back in 2-3 weeks. I am going through hard time due to delay hence requesting your help to avoid such issue in future and compensate for losses that has happened to this delay. 

Your tracking number XXXX XXXX  ) isXXXX  Date of transactions : XX/XX/2022 XXXX ET. 
Date available in Final Receiver 's Country : XX/XX/2022 Delivery Method : Final Receiver 's bank account Card Number : XXXX Transfer Amount : XXXX USD Transfer Fees : + XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it 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 2022-05-17 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: IL

Complaint narrative:
XXXX  - Card Services Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of 2020. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$2500.00}. On XX/XX/XXXX {$720.00} on XX/XX/XXXX {$19.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$720.00} on XX/XX/XXXX {$360.00}. When I tried to contact XXXX XXXX I was not able to find a contact phone number. I did find a website not in the USA and I did not find an account or any of my information. 

Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$3600.00}. Beginning on XX/XX/XXXX until XX/XX/XXXX. I was told by Bank of America the charges were authorized by me or made by someone who had my permission to use my card. This is not correct. I was in Oregon much of the time as my father passed the end of 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of XXXX. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX  ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
i never paid late insurance paid loan off also i had gap insurance through the creditor. they processed payment late. also its showing on my credit report XXXX  months late and it was a charge of that is incorrect. i have disputed this before on XXXX etc. multiple times and the creditor refuses to correct. they contacted me saying i owed on it still in 2019 when balance was paid in full creditor is in violation of u.s.c code 1681b u.s.c code 1681s-2 u.s.c code 1681 section 604a. i want late payments and incorrect information removed 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 2022-05-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX without my authorization pulled my credit report on XX/XX/1921. This is illegal and a violation of my consumer rights and harassment. FCRA. 
DO NOT RUN MY CREDIT EVER AGAIN=harassment and illegal deceptive practices is Consumer Fraud. NO MORE INQUIRIES!

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