vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/22 - I submitted a complaint towards XXXX, XXXX, and Trans Union regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.

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 2022-04-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/22 - I submitted a complaint towards XXXX, Exquifax, and XXXX XXXX regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-18 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Would like to file complaint in regards to XXXX. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
For two weeks now, I have struggled with Equifax so that my credit union, XXXX XXXX XXXX XXXX, can pull my credit report for a mortgage. Because of the unfriendly and inefficient services of Equifax, it has caused me great hardship, including losing a home I wanted to purchase. 

To date, I continue to try to get Equifax to correct my date of birth. I have sent a copy of my birth certificate, my driver 's license, my XXXX passport and my social security card to Equifax in XXXX, Ga. These documents were sent express mail and the tracking number shows that they were delivered. When XXXX tried to pull my credit report today, it was still unsuccessful because of " a flag on my date of birth ''. 

After an extremely long wait on hold, I finally spoke to an Equifax agent, clearly a young XXXX XXXXXXXX man with limited English skills. According to this agent, my incorrect birth date was provided by XXXX. He also told me that XXXX could change this birth date. 

I believe that both of his statements are incorrect. 

Consumers call Equifax seeking for accurate information and assistance. Being told incorrect information does not help the situation. The fact that there are long wait times to speak to Equifax agents and that Equifax agents are providing incorrect information demonstrated the poor service that Equifax is providing. 

Equifax security was breached between XXXX and XX/XX/2017 when XXXX XXXX XXXX records, XXXX XXXXXXXX XXXX  records and XXXX XXXX XXXX records were compromised. I suspect that my incorrect date of birth is related to the security breach and that it is hereby demonstrated that Equifax did not completely correct the impact of this event. 

Instead, consumers are inconvenienced and face hardship due to the unprofessional conduct of Equifax. I already correct my birth date in the past and am now forced to correct the same mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: 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 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 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  XXXX cant provide to my XXXX year old 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 2022-04-18 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: 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: A & O Recovery Solutions, LLC
State: NY

Complaint narrative:
i have contacted XXXX  and provided to them all of the proof that these accounts are not mine.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
i have contacted XXXX and provided to them all of the proof that these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this letter regarding unfair business practices from Genesis Financial Services, Card Services. 

I, XXXX XXXX, called Genesis FS Card Services on Tuesday, XX/XX/XXXX, to pay a debt that I promised to pay when I got paid. As promised, I did just that. 

I paid my debt off of {$580.00} on Tuesday, XX/XX/XXXX and requested a conformation number, and a payoff letter so I could send it to all of the credit bureaus because I am trying to repair my credit. The representative said that Genesis FS Card Services would be sending the letter to me by regular mail in thirty ( 30 ) days, but instead I received the attached Exhibit A letter in regular mail dated Wednesday, XX/XX/XXXX stating : This letter is to notify you that your above referenced Account has been charged off due to delinquency with an outstanding balance of {$580.00} and sold to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX. 

Also, the representative claimed that they could not find a conformation number in the system to give me. This comment caused concern because dating back to XX/XX/XXXX whenever I made a payment, I have always received a conformation number immediately. Curiously, when I made the big payoff, they could not find a confirmation number to provide to me. Unfortunately, I was on the telephone with the representatives for almost two hours, being jerked around ; but, I still paid the balance off with my debit card. My card is showing the proof of payment of {$580.00}. Please see attached Exhibit B. 

I would like this matter investigated, and explained to me and the other agencies that I will be sending this letter to. 

I would like an explanation of why I am being harassed and discriminated against, in such a manner to destroy his credit. 

I would like to reiterate that I made the payment on Tuesday, XX/XX/XXXX and four weeks later I received a letter in regular mail on Wednesday, XX/XX/XXXX stating that my account is being sold to a collection company due to delinquency. 

PLEASE EXPLAIN HOW IS MY ACCOUNT IS DELINQUENT, WHEN MY ACCOUNT WAS PAID IN FULL, FOUR WEEKS PRIOR TO RECEIVING THIS DISTURBING LETTER, IN THE FIRST WEEK OF XX/XX/XXXX... 

You can reach me at the above address, telephone number and/or email address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX XXXX was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 ( received XXXX ) Capital One sent me a letter stating that they were closing my credit card accounts because of " activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement ''. This was the only explanation given and i currently do not have access to either account. I have drafted a letter to send correspondence along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Transaction ID XXXX I am writing to convey my dismay with Paypal unethical money delivery practices. The amount was already deducted from my bank on XX/XX/22. 
When I sent the money I called and asked their service center and was told the delivery is immediate, however until today the transaction is still pending and money is not delivered. 
I called and requested cancelation and was told I can not cancel. Initially the transaction showed it will clear on XX/XX/22 and now it shows that it will clear XX/XX/22 THAT IS OVER A MONTH. 
If a company will delay a transaction they should prompt people before they send so they do NOT use their service ; not hold their money indefinity. 

With that said, I am requesting Paypal either release the money or make a full refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
RE IDENITY THEFT FINANCIAL I am a XXXX senior widow in need of help that was compromised from 2 criminals that helped me in my home with paper work filings and organization 2 years ago I just found out, by bank of america that these individuals used my credit to buy NEW XXXX XXXX NOW IN DEFAULT OF {$41000.00} THRU BANK OF AMERICA FILING WITH : LOCAL POLICE DEPT DA OF CALIFORNIA PLEASE REFER OR CALL XXXX -- XXXX THANK YOU WORK ; XXXX CELL 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 2022-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Per the letter dated XX/XX/XXXX received from Great Lakes concerning a previous complaint, it stated that the U.S. dept of Education did not approve my application for a discharge of my student loans. 

On XXXX XXXX, I received an email from the U.S Dept. of Education regarding my XXXX XXXX claim status ( copy attached ). 

On XX/XX/XXXX, I received an email again from the U.S. Dept of Education indicating that I am part of a lawsuit because I have a XXXX XXXX Application # XXXX pending ( copy attached ). 

I therefore find it strange that I was neither notified by Great Lakes nor the U.S Dept of Education that my application was not approved and the reason why. 

I believe this is a tactic of the servicer of my student loans, Great Lakes, to cause me hardship in getting my student loans discharged and frustrating the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX XXXX - XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account - XXXX XXXXXXXX XXXX - XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief