vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, TransUnion nor XXXX, written permission to furnish these accounts. 

XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-08-16 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: IL

Complaint narrative:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..

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 2022-08-16 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:
I accounts missing. XXXX XXXX XXXX XXXX stated they sent a request to transunion XX/XX/22 with a request to add all my accounts back with a good paying history.

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 2022-08-16 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: OH

Complaint narrative:
I have attempted phone calls to correct an inconsistency in my PSLF count. Fedloan will not count the period XXXX as eligible due to a paperwork inconsistency concurrent with previous misleading statements about the TLF program and the subsequent paperwork that was submitted. That TLF paperwork was never expunged from my file, so the PSLF payments for those periods continue to not be counted. Due to my previous complaint being remedied, the TLF application needs to be deleted, and those payments need to be counted. I have submitted two employer certification forms ; one in XXXX and one at the end of XXXX. My employer qualified and I have not changed employers since XXXX. Any time I try to call and talk to someone I am put on hold for hours, waiting to talk to a PSLF specialist. I am tired of the runaround and need someone to fix my file so my payments all count accurately and appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I want to ask aidvantage why ALL my student loans were not transferred from XXXX. There is around XXXX still attached to XXXX. I can't get a hold of advantage and why it seems impossible to log in. Are we returning to the days when we have a completely incompetent loan servicer? Everyone knows that the student loans are a complete and total mess so why isn't anyone fixing it? Get rid of thousands in student loans for people that work in normal everyday jobs that will never be able to pay them back. The system is broken- fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to get the bank issuing a credit card to correct their error in failing to deliver my monthly statements in paper form through the u.s. postal service, causing a substantial drop in my credit score because of erroneous delinquency. I have filed a complaint about the bank and the other two bureaus. Now I need to the same because of a substantial change in the score by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MD

Complaint narrative:
I recently sent a dispute letter to Experian XXXX XXXX on XX/XX/2022, concerning erroneous information published on my credit report. Its been over 30-45 days & I still have not received a response from them as of yet, XX/XX/2022. I did not send it as certified mail, but I know that theyve received my notice b/c they updated the dates, the amount of open & closed accounts, & 2-year payment history on my report. They have not acknowledged my request, nor have they notified me of the beginning of their investigation process or results.

I want them I to be held accountable for their negligence & the damages Ive experienced from them not committing to completing a proper investigation. As by law of the FCRA, they are required to.

15 USC 623 : 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.

15 USC 611 ( A ) : If the completeness or accuracy of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-16 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: IL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I received notification from Equifax that disputes I filed regarding hard inquiries were completed. I disputed the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

Equifax responded to my disputes with the following statement : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' There is no way these inquiries are valid. I neither gave information to, nor did I authorize those lenders to pull and run my credit. I even spoke with a gentleman from XXXX XXXX and told him specifically NOT to run my credit because I was not looking for financing due to filing for bankruptcy. I was not looking for financing, I had just filed for XXXX  XXXX bankruptcy. It was discharged in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got an e-mail from Paypal that there was in invoice for a payment, but it is fraudulent. This remains as pending and Paypal will not remove it. I have not authorized payment and have not been charged but the invoice can not be removed. Now I want to close my Paypal account and Paypal says I can not with pending payment still there. There customer service is completely useless. The {$400.00} and {$600.00} pending invoices are fraudulent. Paypal allows fraudulent invoice to remain and if you accidentally authorize payment you have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

I sent a letter XXXX asking for : Validation of the debtthat is, the actual accounting. 

Verification of a signed invoice. 

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered Equifax, XXXX, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) Account # XXXX XXXX XXXXl Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy 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 explanation
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
On XX/XX/2022 I sent a re-investigation letter to Experian to investigate some derogatory items on my credit report. As of today I haven't received a response back from Experian.

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 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against JPMCB AUTO for committing identity theft. I have never given JPMCB AUTO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from JPMCB AUTO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If JPMCB AUTO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JPMCB AUTO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and JPMCB AUTO continues its collection efforts, I will file for litigation for actual damages caused and JPMCB AUTO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AZ LENDING EXPERTS, LLC
State: AZ

Complaint narrative:
AZ Lending Experts , LLC XXXX XXXX ; AZ XXXX XXXX ; XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX XXXX XXXX lied to me about a mortgage I applied for. He ran my credit. My credit was run on XX/XX/22. And even pre-approved me for over {$100000.00} more than I could afford on the salary he was paying me. I had a lease so I was originally going to hold off until my lease ended. He was also my employer. I was doing video work for AZ Lending Experts. He and his partner had pretty much stopped doing the videos they hired me to create nearing the end of XXXX. I had a problem with my apartment and had to move out so I went to XXXX at the beginning of XXXX and I told him that I wanted to move forward with the loan he pre-approved me for. He said nothing about anything and began asking me for documents. Then on XX/XX/22, I was fired without notice and they claim it was because I left at XXXX on a Friday after I had done all of the work they assigned me to do. They had been planning on firing me. In fact, I left because, and this can be proven in a text message to XXXX XXXX, they made me feel uncomfortable setting up some podcast video set and XXXX kept making statements that made it clear that I was no longer going to have a job. But he was still asking me for documents. So I feel like A. he ran my credit knowing he was not going to approve me because I would have no income when they fired me, and B. that he pre-approved me deceptively to do other things behind my back concerning my employment without me thinking twice about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
My son received a prepaid Visa Giftcard for the amount of {$100.00} ( so did my daughter ). I went to use the cards to purchase some sports equipment/baseball bags for my son and the same for my daughter. I had an unopened Visa Giftcard and ripped it open at the register. When I scanned the card for payment of the purchase, the cashier told me that there was {$38.00} available balance on the card. I purchased my daughter 's bag using her unopened Visa Giftcard and she still had a {$100.00} balance. When I returned home I looked up the purchase history on this card and discovered that there was a fraud and someone had made a purchase on XXXX @ XXXX XXXX  for the amount of {$61.00} was used at a XXXX in California. I am not sure what they purchased. I called a number and was able to get ahold of someone and was told to file a complaint, after receiving an email. I received a response on XX/XX/1922 at XXXX : XXXX which prompted me to mail in a complaint form, which I did. I have not received any correspondence to date after I filed my complaint. I will show a copy of my complaint at the end of this. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Gift Card Dispute - Trouble Ticket / Case ID / XXXX External Inbox XXXX Attachments Wed, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX This email is to confirm that we have received your verbal notification of your claim. 

We will begin the investigation once you provide the completed case form. 

For your convenience, we have attached this form that should be completed and returned to us immediately. 

You may send the case form to us by Email to XXXX Fax to XXXX Mail to : InComm, Inc. 
Attn : Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Sincerely, Case Resolution XXXX XXXX XXXX XXXX, GA XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation