vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I keep getting denied checking accounts with banks because early warning systems has inaccurate information and wrong information on there and should be removed I have tried contacting them multiple times to dispute items on there that shouldnt be because they dont belong to me or are not my accounts that show negative history which is completely wrong and I want them removed its preventing me from opening a simple checking account so I can pay my bills and its very stressful when no one can contact me back or at least look into it its not fair and Im struggling trying to pay bills online without a bank account I have to use prepaid cards and its time consuming this isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM WRITING IN REGARDS TO THE DISPUTES I SENT OVER 30 DAYS AGO THAT I HAVENT GOTTEN A RESPONSE BACK FROM EXPERIAN AND THATS A VIOLATION OF THE FCRA, THESE ARE A RESULET OF Identity theft AND I WANT THEM REMOVED ASAP ACCORDING TO 15 USC 1681c-2

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 2022-10-27 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: SC

Complaint narrative:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: VA

Complaint narrative:
Hi I am submitting this 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 homeless 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 2022-10-27 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I reported this issue of an account that was never opened by me being reported on my credit report, from a collection agency. The are obviously weaponizing my credit report to make me pay a debt that isnt mine. After submitting my complaint, the company removed the negative item. 
On XXXX I received an alert that the same company put the account back on my credit report, 4 months after removing it! 

This is unfair, deceptive and clearly an abusive tactic!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been calling me to collect a debt this was a debt from about five years ago but I reported the card stolen at that time. One of the very first times they called they said that it was verified that it was not my debt to pay, so they sent papers to the house I used to live in another state I never got those papers. I've been disputing the issue for about 3 months with the credit bureau. They recently called and said they verified everything and that all I need to fax them is a copy of a fraud report so I can have evidence on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Seven years ago I took out a 7 year fixed adjustable rate loan that reset from 3.375 to 6.25 starting XXXX XXXX The current company servicing the loan is newrez morgage out of XXXX, SC. The loan documents clearly state the maximum that the rate can go up in any year is 2 percent compared to the previous years rate, meaning the rate should have not exceeded 5.375 for this year. A letter dated XXXX estimated my rate change would have been 3.625 and instead it is over 2.5 percent higher. I have made at least 5 phone calls to newrez loan servicing over the last several months to complain and ask for reconsideration, including escalating to supervisors but it hasn't changed their position on what my rate should be. I would ask the agency to look into this matter for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal has changed its Terms of Service to include a {$2500.00} fine for posting a comment that they don't like or agree with ( a violation of my 1st amendment rights ) therefore I have been trying to close my account for the last three weeks. 

PayPal claims ignorance of its own TOS and can not close my account due to " pending transactions '' that I have already stopped. Also, they claim that they can not close my account due to a balance of {$0.00} in cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
I am disputing several credit errors on my report. I have made SEVERAL attempts to get this resolved through Fed Loan, ombudsman, FSA complaint, and I also contacted the credit companies. 

# XXXX XXXX XXXX XXXX Accounts need to be closed/PIF : Several Fed Loans are still showing up as active on my credit report through Fed Loan Servicer, thus my credit report incorrectly reflects DOUBLE the amount of student debt which has now impacted my credit. I took out a private loan through XXXX in XX/XX/XXXX. These Fed Loan accounts were paid in full in XX/XX/XXXX by XXXX private secured loan, but all 3 major credit reports are still showing up with a balance on Fed Loans of XXXX {$400000.00} ( see attached credit reports below ) Explanation : I formerly had a accounts/loans with Fed XXXX XXXX. ( See the attached documents as highlighted in the report for the accounts ). 

XX/XX/XXXX : I took out a personal loan to pay off the student debt through XXXX XXXX XXXX paid off these loans. ( See attached documentation/exhibit. ) This was finalized on XX/XX/XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I received a welcome letter from XXXX for the personal student loan. ( See attached document/exhibit. ) XX/XX/XXXX : On the same exact day, this loan was transferred to XXXX ( A Department of Education Servicer ) on part of the Fed Loan Servicer. ( See attached document/exhibit. ) XX/XX/XXXX : I received a Paid in Full status letter from XXXXFederal Student Aid that this was paid in full by my private loan through XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I made my first payment on the privately secured loan to XXXX. 




Who I Contacted -- timeline : Fed Loans : I spoke with Fed Loan Servicer on the phone on XX/XX/XXXX. They indicated that I had to fill out a form to have the information corrected I filled out and uploaded documents several times ( XXXX, XXXX, XXXX ) ; was sent the same form repeatedly to fill out, which I did, without any resolution I also sent them the form with all of the pertinent documentation via regular mail on XX/XX/XXXX FSA : XX/XX/XXXX : Filed complaint with FSA ; case number XXXX ; was received an email stating that I would receive a response within 15 days ; received no response XX/XX/XXXX : I contacted Ombudsman at FSA. The representative stated there is an open case. She is requesting an email be sent to me by the caseworker. 


Credit Bureaus : XX/XX/XXXX : I completed an online dispute form. They came back with results stating that I still had an open account, with open balance, see attached. 

XX/XX/XXXX : Sent regular mail disputes to all 3 credit bureaus via tracked XXXX mail XX/XX/XXXX : I contacted XXXX and they stated that the credit error needed to be fixed by Fed Loan Servicer, but they could see the open balance on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2022-10-27 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: IL

Complaint narrative:
Hi I am submitting this 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this 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 XXXXXXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I or lenders attempt to pull my report from equifax the report will not pull. I have made several phone calls to equifax regarding my issue and have been told my account has no freeze on it however there was a spelling issue of my first name. 

I sent in documentation as requested XX/XX/XXXX and allowed a week to process as requested. I called XX/XX/XXXX to see if the documents were received and the representative advised no documents on file and also said there was no need to mail documents in order to fix the spelling of my name. 

Eventually the representative I spoke with last on XX/XX/XXXX was able to correct the problem and I received a confirmation that my first name was corrected XX/XX/XXXX. I attempted to pull my credit report from annual credit report.com and I was still unable to pull. 

This has been an ongoing issue since XX/XX/XXXX and I eventually gave up on getting the issue correct however recently I wanted to try again thinking time may have corrected the issue and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the fail be dit O Search Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose. 
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 2022-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX are doing shady practices by not allowing me to get a copy of my credit report which a consumer can not be denied per the FCRA, They have locked me out from my account and when i call to have them unlock they are telling me i am answring incorrectly when i know the responses i am giving them are accurate along with this they are adding things to my credit report while i am locked out and allowing me to be taken advantage of. I have had things pop up on to my transunion and XXXX only while my XXXX does not report what they are showing. I am demanding a remedy for the damages they have caused me or i will sue.

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : Upgrade Acct Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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