vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Trying to access XXXX  and get an " Access Denied You don't have permission to access " / '' on this server. 
XXXX '' I don't know any other way to get my annual credit reports ; the individual companies usually require me to pay a fee.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
UEI has violated U.S. Criminal Code and 20 U.S.C. 1097 under Access to Department of Education information technology systems for fraud, commercial advantage, or private financial gain. which includes fines and imprisonment up to 5 years. Any person who knowingly and willfully embezzles, misapplies, steals, obtains by fraud, false statement, or forgery, or fails to refund any funds, assets, or property provided or insured under this subchapter or attempts to so embezzle, misapply, steal, obtain by fraud, false statement or forgery, or fail to refund any funds, assets, or property, shall be fined not more than {$20000.00} or imprisoned for not more than 5 years, or both, except if the amount so embezzled, misapplied, stolen, obtained by fraud, false statement, or forgery, or failed to be refunded does not exceed {$200.00}, then the fine shall not be more than {$5000.00} and imprisonment shall not exceed XXXXne year, or both.

I do not trust UEI and do not acknowledge this debt in its Entirety. 
I applied for a loan from the government for the purpose of completing a college course and received no check, no payment of a loan, and didn't complete highschool nor the college class at UEI. Yet UEI college insisted I apply for a loan and the XXXX XXXX. I was approved for both and have yet to receive any funds or credit. I believe UEI as embezzled my Loan as the purpose of applying was to receive a check with my name on it from the Treasury. As I have still not received payment UEI insists I owe them a debt. My Factual evidence is attached and is a " Master Promissory Note '' created by UEI that I have never lawfully signed. UEI had intentionally forged my signature and embezzled my funds. This is a breach of contract aswell as illegal as UEI did this to intentionally and solely to benefit themselves and enrich themselves as they most likely done this to every student that's ever walked through their doors. 

It even states on number XXXX of the promises on the MPN verbatim, " I promise to pay to ED the full amount of all loans that I recieve under this MPN in accordance with the terms of the MPN.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-22 00:00:00
Product: Credit reporting 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: IA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-22 00:00:00
Product: Credit reporting 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: IA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year> I logged into my Equifax account to dispute some hard inquiries on my credit report which were NOT initiated by me, nor are they linked to any accounts on my credit report. 1 day later, on XX/XX/year> you claim to have completed an investigation into the inquiries. If this is correct, if I were to call the companies on this report which I have attached for proof, which were the companies related to my dispute and the hard inquiries, they would be able to confirm that you, Equifax, called them between XXXX XXXX. I am sure that this is not the case - and I am honestly at the point of filing suit for failure to adhere to 15 U.S. Code 1681i. Its not the fact that the inquiries remain, its the fact that you completely lie about doing any sort of investigation and arent adhering to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
XX/XX/XXXX National Debt Relief : Joined XXXX in XX/XX/XXXX, Received a verbal settlement offer from XXXX for {$12000.00} in XXXX for {$30000.00} personal loan with XXXX XXXX. Beginning XX/XX/XXXX spanning six weeks {$4100.00} dollars was deducted from the XXXX account related to fees, more fees were scheduled to follow the next 8 months, ( XXXX plus monthly to XXXX ). The savings I accumulated for six months was withdrawn by XXXX, this was not explained to me during my initial sign up. I did not know the fees would be upfront. I have decided to settle my own debts, my account has been cancelled. I would like some of the fees associated with this unsettled debt returned to the XXXX account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received an email on XX/XX/XXXX that a new PayPal account had been created in my name. One minute later, I received an email saying the email address In my account had been changed. Two minutes later, I closed out my account and received email verification. I thought we were safe. We took no other action at that time due to having received that email from PayPal that stated our account was closed. On XX/XX/XXXX, we had two ACH transactions pulled from our checking account in the amounts of {$1100.00} and {$50.00} from PayPal. They also set up a " Pay in 4 '' on my Paypal, where {$50.00} comes out of my account every two weeks. I immediately alerted the bank for fraud and called PayPal. PayPal went in and changed the login and gave me back access to the account and alerted it for fraud. The scammer took out a Paypal credit card in my name ( on XX/XX/XXXX, after i had closed my account ), and had been running up charges. I called PayPal credit on XX/XX/XXXX and reported the fraud card taken out in my name and they stopped the account and are allegedly reviewing it. Paypal refunded me for partial charges and the bank refunded me as well. However, Paypal is now saying all the remaining charges ( {$2600.00} worth left on the PayPal credit card in my name ), are consistent with my transaction history and are not fraud! I've called every day and spoken with multiple supervisors to escalate this case. The scammer was using my personal mailing address and shipping items to a warehouse in Florida, as well as multiple random people picking up these items from the XXXX in XXXX XXXXXXXX, XXXX All shipping tracking numbers clearly show i never received these or picked them. This is clearly a well organized crime ring, and all three supervisors i've spoken with at PayPal have said this. XXXX, XXXX, and XXXX. However, when they escalate this to the " back office '' team, who will not take any calls or emails, keeps repeatedly denying it. I filed a claim with PayPal on XX/XX/2024, again on XX/XX/XXXX, again on XX/XX/XXXX, and again today, XX/XX/XXXX. On Saturday, XX/XX/XXXX, i spoke with a supervisor named XXXX who stated on our recorded call, that she could see the high level fraud scam. She sent me a link in my paypal messages to upload documents. At that time i uploaded the email verifications stating the account was closed on XX/XX/XXXX, as well as our FBI and FTC report we filed, as well as police report and bank letter showing the bank classified it as fraud. Paypal continues to give us the run around and denying the case. They give very vague information, but one issue they state is that it seems the transactions all came from our IP address. Clearly, our IP address was spoofed, and the supervisor, XXXX, could see this as well. We desperately need help and are very close to filing a lawsuit in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX XXXX  account payments - XXXX XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-04-22 00:00:00
Product: Debt collection — Rental 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 checked my credit report today, XX/XX/XXXX with XXXX XXXX, as I had not in some time. I noticed a collections notice added to my report as of XX/XX/XXXX. The collections agency listed was Genesis Credit Management for {$55000.00}, through XXXX. The collections notice is for the company XXXX XXXX XXXX, apparently in XXXX, AZ, opened on XX/XX/XXXX. I've never received a letter of any debt owed from this company, or any call from any collections agency. The only notification I am aware of is from the notice on XXXX XXXX while checking my credit score. I have never lived or applied for a residence in Arizona. 

I have alerted XXXX about the issue and am attempting to submit a complaint of fraud as I have never opened this account. When I spoke on the phone with XXXX, I was alerted another collections agency, Columbia also has the account on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: NC

Complaint narrative:
Revco Solutions Contacted me saying I was in debt and that I owed money from a hospital visit. I contacted the hospital and they said I did not owe any money and gave me proof that I paid the bill revco was inquiring about. I showed proof of payment to revco but they insist I still owe and that the proof isnt sufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I believe Midland Credit Management sold my phone number to XXXX XXXX aka Portfolio Recovery after I filed a complaint for continuous contact from them. 

Complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 00:00:00
Product: Credit reporting 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:
this debt does not belong to me. I requested proof of debt and removal. I have yet to get a response from the credit reporting agency or debt collectors. 

XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$280.00} these accounts do not belong to me also reporting different dates and different information. 

XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid the amount 4 days before the late day. I have had car for almost a year no lates. I know to most company 's that's not a big issue but to me it's not good.

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