vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: CA

Complaint narrative:
This is about trans union. I called XX/XX/2022 and was told I could call XXXX and ask questions about my credit report. 

I called last week around XX/XX/2022. I tried to ask the individual about my credit score because it has been having extreme shifts in points where there is no change in my credit report or debt. I wanted him to explain this to me. 

1. He could barely speak XXXX and I could not understand him. 

2. I could hear he was not in an office as there were home noises during the entire call and the static was also an issue.

3. He would not answer my questions, he kept taking me in circles telling me about my derogatory accounts and on and on when those derogatory accounts have been on my credit file for a very long time and there have been no new ones in years.

4. I have filed two disputes in the last months and after this my credit score fell. Two weeks ago it went up to XXXX now its back at XXXX. He would not explain why. 

5. I finally asked him what country he was in. He told me XXXX XXXX. I am furious about the fact that people dont even live here in the United States have access to our credit our Social Security numbers personal information etc. Theres so much identity fraud going on in here I was talking to someone that was obviously in his home talking to me. The whole institution of credit reporting and monitoring is something that happens here in the United States to people here in the United States it has nothing to do with anybody else in any other country. Nobody should have access to that outside of the United States and Im appalled That this is being allowed. I have had the same experience with XXXX  and other companies to outsource their phone calls to countries outside of the US because they are advocating XXXX labor into these poor countries. These people that work for these companies only know how to give scripted answers and they dont know how to help us and our personal information should be available to them anyway. I wan na know its all consumer credit reporting agencies do this and why this is being allowed. If your company monitors and regulates what they do then why dont people know that this is happening? I can guarantee you anybody I talk to you its not gon na know The people in XXXX XXXX are accessing their private information and credit reports and trust and believe Im gon na start telling people.

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 2022-01-30 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:
This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2022-01-30 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:
This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting credit usage for account XXXX XXXX that it's active. This account is closed and should not be reported as open.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting credit usage for account XXXX XXXX that it's active. This account is closed and should not be reported as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX XXXX at one time ( from mid 700s to 500s ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX points at one time ( from mid XXXX to XXXX ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.

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 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I graduated college in XX/XX/XXXX, I started working as a teacher in XX/XX/XXXX. I had four kids with a {$46000.00} salary. I could not afford my student loan payment. I called them, they told me to put my loans into forbearance. I started XXXXXXXX XXXX  the following year, my loans were forced into deferment without my knowledge. I had no idea that I could have opted out of a deferment or that I would even qualify for a {$0.00} payment which would have counted towards my Public Service Loan Forgiveness. I heard about XXXX and that my payments could be {$0.00} so I contacted Fedloans again in XXXX. They told me that the best thing to do was consolidate my loans so I did. because of this, I am having difficulty removing the Deferment and Forbearance on my accounts from XXXX until XXXX which would allow my years of service as a teacher to count towards XXXX. I have proof of my income from XXXX until now. My payments were always eligible for XXXX and should have been {$0.00} per month. I should have 6 years of payments counting not 2 years. No one will help me, I have reached out to them through email, and XXXX. And, I can not get them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: VA

Complaint narrative:
In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX points at one time ( from mid XXXX to XXXX ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.

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 2022-01-30 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: FL

Complaint narrative:
Before I make these legal and true statements I would like Transunion and the CFPB to know these are my words as the consumer, XXXX XXXX. On XX/XX/2021 Transunion deleted account # XXXX off my credit report. On XX/XX/2021 the same account was put back on my credit report saying that the creditor verified the information. According to 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. What friends, associates, neighbors of myself did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? I firmly believe Transunion has committed a violation if they didn't send me verifiable proof of who they spook to. I am also confused on what information Transunion have that XXXX doesn't have. XXXX is reporting wrong information and is dealing with litigation. How is it possible for 3 bureaus to be reporting 3 different reports if everyone is getting the same information from one creditor? that lets me know fraudulent information is being reported and has been reporting on my consumer report for years and has caused me great pain and a lot of denials from businesses that I wanted to gain a relationship with. 
15 U.S. CODE 1681a states accuracy and fairness of credit reporting, which means everything should be 100 % accurate or be removed from the consumer report. My auto loan account # XXXX has been satisfied and paid off but late payments are still being reported and I was never late on payments. Without permissible purpose according to FCRA it is a violation to put anything on my report without contacting the consumer first, please lets fix these issues and litigation should not be involved if everyone does not violate the law.

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 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Capital Accounts. This company opened an account using my personal information with no authorization from me. Capital Accounts has reported to The Bureau that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? Capital Accounts has reported an incorrect illegal account to The Credit Bureau without consent from me. The Original Creditor was listed on my credit as XXXX XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. The document requested from this company should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and this tactic is listed in the U.S. and State law as identity theft and a HIPPA violation has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.

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 2022-01-30 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: FL

Complaint narrative:
To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX  made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXXThis account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by Experian Credit Reporting service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX  Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely 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 explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a Barclaycard US credit card which has monthly payment due date of the XXXX. I paid my XX/XX/XXXX payment for this card on XXXX XX/XX/XXXX. I was nonetheless flagged as past due for this payment. Customer service informed me that their computerized system generated its billing on the XXXX of the month, therefore my XXXX XX/XX/XXXX payment was applied toward the balance of the account by not to the XX/XX/XXXX billing. I was informed that I am therefore expected to pay a double bill for XX/XX/XXXX and XX/XX/XXXX despite having already paid the former. My request that this payment be reapplied was denied. I have always paid my bill well before the XXXX of the month in which it is due but after XXXX in the month in which it is paid to avoid confusions. I find Barclay 's position unreasonable and unacceptable, and believe that having paid my bill in advance of its due date Barclaycard US should accept it as such. I have also informed the company 's representative that I will be making no further payments until they do so. 

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 monetary relief
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
I have contacted each company listed below as well as Experian, XXXX, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : EXPERIAN 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 I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.

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 2022-01-30 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: LA

Complaint narrative:
I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.

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 2022-01-30 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: FL

Complaint narrative:
I have reached out to Experian, XXXX, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and Experian, XXXX, and XXXX refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name EXPERIAN : NAMES : XXXX XXXX. NOT MY NAME XXXX XXXX  NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL 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