vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: AZ

Complaint narrative:
This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Showing XXXX XXXX XXXX account from over 8 years ago on credit report showing I owe a balance

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 2023-03-27 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:
# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE 3 PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects. 

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way! 

I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.

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 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.

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 2023-03-26 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: IA

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

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 2023-03-26 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: IA

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

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 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I sent {$2200.00} via Cash App for what was supposed to be my rent of {$2200.00} and the remainder a service fee to the rental company. The rental company turned out to be a scam. They stole my identity as well as my son 's. They made numerous charges to my bank account and I have been homeless for the past 2 months, eating very little, just trying to survive. I lost my job 3 days after the apartment deal fell thru. I have tried diligently to resolve this issue with my bank, they have refused, repeatedly taking the side of the scam artist XXXX  from a foreign country. I found out last week when the XXXX XXXX Sheriff 's Office here in Florida called me to let me know that after an extensive investigation, the preparators are not United States citizens, but currently operating their scam from the island of XXXX. 
I needy money back. I need to get back into an apartment with running water and I need to find another job. Please, please help me get my funds back. I did what I was supposed to do. I thought this company was real, they had a physical address, the people I spoke didn't sound odd, they sounded like locals. I just moved here and this has been a waking nightmare for my son and I. It's just us, my husband died a few years ago and I wanted a fresh start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MD

Complaint narrative:
On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.

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 2023-03-27 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: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$390.00}.

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 2023-03-27 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: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MN

Complaint narrative:
Account Number XXXX. Date open XX/XX/XXXX Account Number XXXX date open XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Our mortgage lender, Lakeview Loan Services LLC, has been reversing our monthly payments from XX/XX/XXXX to XX/XX/XXXX without any notice to us. This has caused accumulated late fees and hits to our credit scores. 

This entire situation was extremely negligent on the part of our mortgage lender because if there were issues at all with our account 's status, we should have been properly and promptly notified, not receiving receipts of payment. We have spoken to their customer service on the phone trying to fix this and when we asked why we were not notified, they stated it was because they didn't have our phone number. That's not an acceptable excuse. This has done a lot of damage. Once we found out this was happening we were sure to make a large lump-sum payment to be current. The funds were immediately wired to their bank. 

When this started in XXXX, we logged on to make the payment that month Lakeviews site was having difficulties. We attempted multiple times in XXXX to make a payment, yet the payment portal was still not working. We called Lakeview in XXXX once we realized this was turning into an issue and the customer service rep stated that their system could be behind ( she said she had seen it lag for up to three months before ). She said she was going to process a payment immediately and for us not to worry that it would be taken care of and that nothing was being sent to the credit bureaus. We then tried to schedule XXXX 's payment while on the phone, however, she wouldn't schedule one - she told us the XXXX payment needed to process first because if the system was having issues it needed to catch up, and that hopefully the online portal issues would be resolved soon. 

When checking for the total amount in late fees we paid, it turns out they did not take that from the amount wired, which is what they stated they would do. They used the late fees as a payment for the month of XX/XX/XXXX. That is not what we agreed upon. The amount wired was to cover XXXX and the late fees. Our account is showing that as of today 's date, we still owe in late fees. 

In addition, we have an escrow account and when we first got the loan we were being charged PMI. Once the equity in the home increased over 20 % the PMI was supposed to drop off ; however, were still paying PMI and its being send to escrow.

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert about an extended fraud alert being placed on my account. I never requested that. I tried to use my XXXX  XXXX XXXX & my XXXX XXXX XXXX at XXXX on XX/XX/XXXX and was declined. I checked my reports and neither of the 3 cards that I have are showing on my report nor is my auto loan with XXXX XXXX. I just paid my car payment of XX/XX/XXXX but the account is not on any of my credit reports. I logged into my XXXX account and show that someone has filed several disputes on my account and I was also informed by a representative at XXXX that a police report was filed. I have never filed a police report for a credit issue in my life. I believe I am the victim of some kind of data breach where someone is trying to establish accounts in my name without my knowledge. I am not sure the nature of the disputes and to what email the disputes were sent to and I can't get any information from XXXX XXXX about why my account was closed. I had been faithfully paying all of my accounts on time and had no reason to request a closure of my account. I fear that someone will get my cards reissued to themselves at a different address and I will end up responsible for their fraudulent purchases. I haven't received any correspondence from XXXX in reference to these disputes and that worries me because any time that I have ever submitted a dispute, I had verification via email. Nothing has been sent to me and they are allowing people to access my information without my consent.

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 2023-03-27 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
They call daily making threats, sometimes call and dont say anything. The debt was sold and charged off. Sent to collections without my knowledge of knowing

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Showing XXXX XXXX XXXX account from over 8 years ago on credit report showing I owe a balance

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: LA

Complaint narrative:
Showing fed loan servicing account from over 8 years ago on credit report showing I owe a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

Equifax XXXX XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX

Company response to consumer: Closed with explanation