vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: IL

Complaint narrative:
I have spoken with XXXX, Equifax, XXXX, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. Equifax and XXXX both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, Equifax and XXXX still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX  account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: IL

Complaint narrative:
I have spoken with XXXX, XXXX, Experian, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. XXXX and Experian both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, XXXX and Experian still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.

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 2023-07-09 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: FL

Complaint narrative:
In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.

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 2023-07-09 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: FL

Complaint narrative:
This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect my credit report.

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 2023-07-09 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: FL

Complaint narrative:
This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

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 2023-07-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account 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 explanation
Consumer complaint received 2023-07-09 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: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 explanation
Consumer complaint received 2023-07-09 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:
A bankruptcy is being reported on my credit file in which never took place, when I contacted the courts they have no record of this. After filing a dispute with the credit reporting agency the almost immediately reply with stating the investigation was complete and found no error.

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 2023-07-09 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: NJ

Complaint narrative:
They restricted my account without any reason and I havent even used my account since XXXX for {$8.00} to buy food

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: MD

Complaint narrative:
After I used the credit card only 1 time to purchase a car battery I paid the totlal balance and interest months ago and didn't use the card anymore. After months I recieved an email on XX/XX/XXXX that I need to pay {$33.00} interest and I am past due for 2 months. I didn't receive any emails about payments fot months. How can I be past-due for 2 months while the statement shows due date is XX/XX/XXXX. This company reported me that I had 2 months past due to all credit bureaus which is incorrect! This company has a lot of bad reviews and complaints from a lot of customers. They need to correct my report which they submitted to credit bureaus as well as the interest rate they calculated without any open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: SC

Complaint narrative:
I was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.

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 2023-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: IL

Complaint narrative:
Carpenter Hazlewood is a law firm attempting to collect debts claimed to be owed to my homeowners association. It obtained an injunctive order from the Courts by misrepresenting me and the facts of their claims, thus defrauding the court leading to its injunctive action. The injunction allowed the Association to restore common area landscaping which straddled my property and was installed to stabilize a slopping embankment. The Association hired a contractor to restore the embankment as allowed by the court, but in the process, trespassed on my property, damaged the landscaping on my property and stole personal property boulders that enhanced the property values of the neighborhood. In effect, the Association hired a perpetrator to perform a criminal act.

All of their actions were recorded on surveillance tapes, the perpetrators were informed of their trespass and that they would be charged with criminal trespass, property damage and theft by loudspeakers as the act was performed. Police were called and criminal complaints were filed with both the XXXX Police and XXXX Sheriffs Departments. Both have been asked to investigate the criminal complaints. This is the very definition of racketeering by the Association Board of Directors. 

So now Carpenter Hazlewood is harassing me by threatening legal action and foreclosure of my property if I dont pay fees and expenses that they demand. No credit for the stolen property or damaged property is deducted from those costs. These demands for payment is an abuse of the courts to bully and suppress residents under the color of Law. It has made a mockery of our God Given rights under the Constitution for the United States and no agency of the government is willing to uphold the rule of law. I am hoping you will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: NY

Complaint narrative:
I have sent multiple letters to the credit reporting agency and I have not received a valid response, and items still remain on my credit report.

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 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I made my payment to Avant on XX/XX/XXXX. The funds were available in my account at the time of payment. On XX/XX/XXXX the payment was declined. I was charged a late fee as well. I spoke to multiple reps and was hung up on while attempting to resolve this matter. The funds were still in the account for the payment being made so I asked if we can process the payment via debit since they were having problems processing it via ACH. I transferred the funds to my account that has a debit card linked to it and provided the rep with the card number. They stated they were having issues on their end with the payment. I asked if they would like to try another card. They stated they would try my card on file and read me the number. The number they read was not a card but an account number for my ACH payments. I stated no do not use that account because it will take days to process. The rep proceeded to process it anyway. I explained I wanted to make a debit payment so its processed today. They said they canceled the ACH and took another debit card that I moved the money to and this payment went through. They apologized for the inconvenience and stated they would submit a request for the fee waiver because of a processing error. This morning when I woke up I had an email stating the waiver was declined and I also saw they took two payments instead of one. One of these payments is unauthorized. They stated it would take 14 days to resolve. So they are charging me fees based on their error and taking unauthorized payments. I spoke to a supervisor who refused to help and hung up on me. I have now called over 5 times trying to resolve my issue. This is a violation of TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: SC

Complaint narrative:
I was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-07-09 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I wrote 8 letters to agencies to investigate my report. I requested inaccurate information be removed, it was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: FL

Complaint narrative:
In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.

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 2023-07-09 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: FL

Complaint narrative:
In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: NH

Complaint narrative:
I wanted to freeze my credit at the 3 government approved agencies : https : //www.identitytheft.gov/ # /CreditBureauContacts To do this, I have to manually request that each company freeze my report. 

XXXX and XXXX let me freeze my credit report. 

Experian failed to freeze my credit report and my identity is compromised. 
Experian has failed to meet : TITLE III -- PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS ( Sec. 301 ) The bill amends the Fair Credit Reporting Act to increase the length of time a consumer reporting agency must include a fraud alert in a consumer 's file. It also : ( 1 ) requires a consumer reporting agency to provide a consumer with free credit freezes and to notify a consumer of their availability, ( 2 ) establishes provisions related to the placement and removal of these freezes, ( 3 ) creates requirements related to the protection of the credit records of minors. 

https : //www.congress.gov/bill/115th-congress/senate-bill/2155

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 2023-07-09 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by this company is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. 
THIS IS 7 years old an have been inaccurately furnished onto my consumer report.FASLEY

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