vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
ACCOUNT SAYS OPEN, IT HAS BEEN CLOSED SINCE 2016  XXXX XXXX XXXX XXXX ACCOUNT HAD NEVER BEEN LATE. IT REPORTS XXXX  30 DAY LATE 2016 XXXX  30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 60 DAY LATE

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 2022-03-16 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: GA

Complaint narrative:
I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with trans union and XXXX so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: GA

Complaint narrative:
I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and Experian so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital continues to call me for a debt that is my Fathers and not mine. The calls continue to come from spoofed local Caller ID numbers. Also this debt is more than 7 years old and yet they continue to call me even though I have explained that to them. The gentleman who called me was clearly not from the XXXX and even when I explained to him that it was not my debt he continued to garras me telling me I had to confirm my social security number with him which I refused to be cause it was not my debt. He then moved on to call me a liar and that I was clearly lying and that I would die in my web of lies. 

I realize a lot of debt collectors are outsourcing their call centers to XXXX based companies, but this is unacceptable because they are still calling XXXX  XXXX  and representing XXXX  based companies yet violating federal laws. 

This is not the first time Jefferson Capital has used these tactics to attempt to collect debt that is not mine or that has surpassed the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX was supposed to send me an e-mail or an e-bill for the remaining balance on my account. I made a first payment on XX/XX/XXXX of {$300.00}. There was a remaining balance, and XXXX XXXX said they would send me another bill. I didn't receive the bill. XXXX XXXX sent my bill to a debt collector. The debt collector goes by RMP Receivables Management Partners ( RMP ). They called on XX/XX/XXXX and said I owed {$330.00}. I called XXXX XXXX to ask what happened with billing me? XXXX XXXX didn't try to contact me -- until the debt collector called. I paid RMP the {$330.00} owed. Now this is showing as a problem on my credit. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NJ

Complaint narrative:
I submitted a loan modification with my 2nd mortgage FCI. My first mortgage balance is XXXX and it is current. I also have equity in my home. On XX/XX/XXXX and XXXX I sent in all missing documents that were requested ( same day ). On XX/XX/XXXX I was advised there are no missing documents and FCI sent the file to the investor ( XXXX ) for approval. On XX/XX/XXXX the loan modification was denied due to having incomplete documents and they stated no appeal is allowed because the sale date is too close. FCI stated the bank statements sent in was missing pages. This is not true and the pdf file come directly from my bank website and each page is numbered. I earn more than enough income to be approved for a loan modification. The investor knows there is equity and they are trying to push a sheriff sale because they do not want this loan on their books any longer. I do not want to be forced to sell my home or file a bankruptcy due to this investor. Proof attached to show the modification was in process.

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 2022-03-16 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: TX

Complaint narrative:
Accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section states I have the 602A right to privacy.

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out 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 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX when trying to withdrawal funds from my Venmo account, I received an email stating my account has been frozen due to recent activity that appears to be a violation of our User Agreement. ( Direct quote from email ) Upon further review I did not violate any terms of the User Agreement. The email asked that I verify my identity with a photo of my license or government issued ID, which I did the same day. I reached out directly to Venmo customer service by chat and phone. They could not give me any answers, they would not tell me why my account was frozen, what User Agreement I violated, when my funds would be available, nothing. I reached out to XXXX XXXX and XXXX XXXX with only one automated response. I have detailed notes of everyone I spoke to and what information they gave me or couldnt give me. I got misleading answers from two different customer support supervisors. I have a balance of {$850.00} I was withdrawing that money because I need to use it, and now it is frozen with no response or answer on when it will be available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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 XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/2022 at XXXX EST I spoke with XXXX XXXX XXXX National Credit Systems . The collector failed to verify my identity via an address, SSN or other personally identifiable information, a potential third party disclosure violation. I mentioned to the agent that I wanted to dispute the debt and XXXX proceeded to talk over me and refused to allow me to ask any questions about the debt. He wouldn't allow me to give any reason for disputing the debt or offer any means to resolve the debt other than paying such debt that I do not owe. After promptly hanging up while I was asking how else I could resolve the debt, XXXX XXXX forwarded 4 phone calls to voicemail. 

I may have updated my mailing address or email had the collector allowed me to know what address and email they had on file. Instead XXXX XXXX refused to provide me witht that information. 

This company is using the threat of damaging credit as a means to force consumers to pay debts which they may not owe and refusing to communicate ways to resolve disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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:
Equifax deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquires to DO not belong to me : XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-03-16 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: PA

Complaint narrative:
My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened po box es in numerous states without my permission. I don't even know how to open or get a po box . I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call 911. Since my original report I have heard complete radio silence from anyone and everything

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 2022-03-16 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: MA

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 2022-03-16 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: MA

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent account : XXXX accidentally, This is the wrong account ( chase freedom ) and they told me they could nothing about it. They told me to ask the person to give it back but refuse to tell me who this account belonged to. 


Chase took my money but refuses to relieve my credit card payment to chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
FAYE SERVICING IS REFUSING TO COMMUNICATE TO THE BORROWER REGARDING FAYE SERVICING SHORT PAYOFF COUNTEROFFER OF XXXX XXXXXXXX AND ACCEPT THE FUNDS. FAYE SERVICING IS ALSO REFUSING TO COMMUNICATE TO THE BORROWER TO PROVIDE THE BORROWER WITH A REINSTATEMENT AMOUNT SO THAT THE BORROWER CAN REINSTATE THE LOAN TO STOP THE FORECLOSURE SALE PROCESS AND STOP THE TITLE FROM PASSING. BORROWER CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Informative Research
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: RI

Complaint narrative:
Supposedly have a {$71.00} charge off that was opened on XXXX XXXX to this day they are still reporting late payments. This was a lease that was paid off in full in the past. Ive asked them several times ( mailed letters, called, etc ) and they will not respond to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 complained. The problem has not been resolved. my fico has me at a credit score over 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: 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 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 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation