vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
I have disputed the following account name : XXXX XXXX  account # # # # # # XXXX with EQUIFAX on XX/XX/XXXX and the inaccurate information that violates the FCRA LAW and my RIGHTS is still being reported on my credit report when I pulled it today XX/XX/XXXX its reflecting obvious incorrect information such as the same account is listed 2x my credit report with the same account number but shows different Date Assigned one shows Date assigned as XX/XX/XXXX and the other shows Date assigned XX/XX/XXXX also Status Date are different for the same account listed 2x on my credit one shows Status Date : XX/XX/XXXX the other shows Status Date : XX/XX/XXXX in addition to that Balance Date shows differently as well one shows Balance Date : XX/XX/XXXX the shows Balance Date : XX/XX/XXXX also balance owed is incorrect. I have attached a copy of the credit report where I highlighted the numerous errors on my report and would like both of these inaccurate duplicate accounts removed and deleted from my account based on the FCRA Law and 15 USC 1681 e ( B ) Accuracy Of Report, 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information, 15 USC 1681 ( 5 ) Treatment Of Inaccurate or Unverifiable Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I tried to purchase a pair of sneakers on line from a company ( billed as XXXX ) for {$85.00} on XX/XX/22. I was notified that the sneakers were out of stock on XX/XX/22 by email. I responded to the email that I would not be interested in another pair of sneakers, and directed the merchant to issue a credit. They responded on XX/XX/22, that they would issue the credit within 7-30 days. Although this seemed long, I waited for the credit and on XX/XX/22, I contacted Barclays Bank. Their customer service has been awful, and this should be easily rectified. After receiving no help on the phone, I filed a dispute of this charge for {$85.00} on their website. I have followed up with multiple calls, and I keep getting various answers. I do not want to pay the {$85.00}, but although they have gone back and forth with me multiple times, telling me that I would have to pay, and other representatives telling me that I would not have to pay. Over the course of 30 plus years of dealing with different credit card companies, once a dispute is files, the charge should come off once the dispute is file, and until it is resolved. I have been told that someone would be reaching out to help resolve this dispute, and no one has reached out, and I am concerned that no one will investigate the integrity of the dispute. 
I also said that i want to cancel this card as the customer service has been awful, and even offered to pay the {$85.00}, and receive a check once the dispute has been resolved, but to no avail. Also, the rep said that I could not speak to a supervisor, as they were busy.

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consolidated Information Services Solutions, LLC
State: MI

Complaint narrative:
They call my number, and ask for me. When I ask who is calling they say it is about a personal matter. They do not answer who they are. They proceed to ask me for personal information ( address, date of birth ) while refusing to say who they are or why they are calling me. I told them to send a letter to the address on file and never call me again. They continue to call me. 

When I dial the number back I get a company called Universal Credit Services. To my knowledge I have no outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
The seller 's agent for our new home, XXXX XXXX, of XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX made an attempt to force us to use his preferred lender Guaranteed Rate, XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX threatened to cancel our accepted offer if we didn't use Guaranteed Rate. 

In the end we held our ground, but found this highly unethical and very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-18 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: TX

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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the 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 XXXX 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 XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-05-18 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: TX

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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In late 2020 I set up a my.equifax.com account and in the beginning all my accounts would be there to view, but shortly after opening the account all of my accounts vanished. I reported to them more than 10 times. They will not connect me to a tech support so I am having to deal with the inexperience of the people who answer the phones. Most do not even understand the subject of the call, I have to constantly ask for supervisors then they take my report and all end with nothing being done to correct this and every call ends with they will escalate this to tech support and this repeats every time I call them. I have been hung up on when asking for a supervisor, I have been told to delete my account wait 6 months then sign back up. Yes... wait 6 months but I did it because when AI deleted it i was never going to open it again. But out of bordom I signed back up and signed in and still the same issue. No accounts appear. However if I want to see that I have accounts I can click on file a dispute and there they are, all my accounts will show there but they dont show all the info in that account. For example and this is huge... read carefully...

Credit accounts You have 1 account items that may negatively impact your credit scores...

When I click on that link to see what that negative info is, it says on that page " You currently do not have this type of account. '' It should have named the negative account. So this is a problem. I dont know if this is identity theft since no information is showing. Just the statement that there is a negative in my report is not good enough for me to identify the account. 

So for almost 2 yrs I can't get anyone at equifax to take this seriously. Maybe this complaint will change their mind. But if the CFPB does nothing but collect reports then it will likely just go ignored like it has after more then 10 calls.

I have also been told to get my credit report sent in the mail. I dont want to wait weeks to get a report. I want them to fix my account on my.equifax.com but as of today its all the same. No accounts appear on the credit summery and the ones in the dispute part do not show all the info in it. Also my credit score on the account is missing. 

The email address on the account is XXXX and because I always have trouble even signing in I ended up with a second account that has the same issue XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: KY

Complaint narrative:
To Whom It May Concern, I have been disputing the closed student loans on my Equifax reports for roughly 6 months. I have provided payment histories, copies of contracts, disposition of accrual of interest on loans, letter from the educational institution, XXXXXXXX XXXX XXXX  University, loan verification letter used to obtain mortgages, and copies of all information listed on my loan servicers online account for me regarding all information relating to any student loans that are or were being serviced by said servicer. 
I have sent the same information regarding these accounts to all three credit bureaus. The most recent correspondence from Equifax reflects a perfect payment history ( zero late payments ) but states that my accounts were past due when the consolidation loan I was granted closed the previous loans on XX/XX/2018. According to Equifax, the loan servicer reported to them that my loans were not in fact past due at all because the reported pay history reported by the servicer is perfect. 
I am asking you to please consider looking into this matter. I have sent enormous amounts of information/proof to all the credit bureaus. The only bureaus to agree with me and my findings are XXXX and XXXX. Please review the attached documents. I am more than happy to send you copies of all additional information that I have sent, upon your request. 
Please do not hesitate to contact me with any questions or additional information. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
We received collection notice on XX/XX/XXXX from Americollect, for services to my husband XXXX from XXXX at XXXX XXXX. We paid this bill XX/XX/XXXX upon receipt and now they sent to collections. Immediately on XX/XX/XXXX, I emailed supporting payment documents to the Collection agency and followed up with a phone call to XXXX later that day. She said to give it 2 weeks and they would follow up with XXXX XXXX. I called back in on XX/XX/XXXX, talked to XXXX, said XXXX hasn't responded, give it another 2 weeks. I called again on XX/XX/XXXX spoke to XXXX, they said they'd follow up ( email only ), but account can only be held until XX/XX/XXXX, which made me nervous, as no action took place yet. I called again on XX/XX/XXXX talked to XXXX, she said XXXX hasn't responded, I asked to talk to a supervisor, held for XXXX minutes, hung up and called back. Was then transferred to a supervisor XXXX at about XXXX pm. She didn't seem too concerned that I was frantic about our credit and said they'd follow up email again to XXXX. Getting nowhere, I called XXXX on XX/XX/XXXX, spoke to a XXXX, whom took my call. I had to send them supporting documents to email : XXXX, assigned case # XXXX. I have emailed them 6 times to check in, they said they would call collection agency to hold account. Per my call to XXXX at Americollect yesterday XX/XX/XXXX, XXXX has not at all reached out to them. We are at our wits end, and I told them both my husband and myself have XXXX credit scores, and no one seems to want to help us. No one seems to be helping us here, so I am turning to CFPB for assistance. Please let me know if you need anything additional and how this can get resolved once and for all. XXXX!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years

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 2022-05-18 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: NC

Complaint narrative:
I am XXXX and I am aware that my rights have been violated. These accounts have invalid information and these companies refuse to follow the laws. I need help with these accounts being removed from all 3 of my credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX DP OF EDUC Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX Untitled XXXX XXXX Collection/Chargeoff, Medical Subject has not satisfied debt. } Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type

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 2022-05-18 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
It all started in XXXX when my personal information was used fraudulently to apply for unemployment benefits at the company I work for an have ownership in. This was reported to the RI XXXX XXXX, and FTC and to RI XXXX XXXX XXXXXXXX. None of which ever followed up with me. Not a single call, nor email response. Eventually through my persistence, RI XXXX XXXX XXXX acknowledged the issue. 

Since then, my XXXX XXXX account has shown numerous fraudulent inquiries in XXXX, starting in XX/XX/XXXX and now several in XX/XX/XXXX showing on XXXX and XXXX. I've been able to receive cooperation with all credit bureaus for removal of credit inquiries and also filing fraud complaints with exception of XXXX that does not want to help or extend any customer service to correct the problem. 

In essence, I have lost about 12 days or more of work over this issue calling the various companies, banks, financial companies, websites, etc. all because of the very companies that are always asking for my info, and breach my personal details. This is victimization in its purest form from the same companies that are rating consumers and judging consumers in the first place. The system is broken. 

At this time, I have maintained Excellent credit, however I still have several XXXX credit inquires which are damaging my credit score and on their fraudulently. It's nearly impossible to reach Propser Bank and also impossible to reach XXXX XXXXXXXX XXXX never mind get any cooperation from either bank, nor XXXX. 

I have also had to now Freeze all credit reporting agencies which will be a problem for me in the future when I need to apply for credit.

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