vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  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 explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX XXXX XXXXXXXX - {$9000.00} XXXX - {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a payment of {$3800.00} to my Chase Business Ink card from a XXXX account. After calling more than 25 times on XX/XX/2022, Chase informed me that I can not have access to my credit line because they have to hold my payment for " float pay ''. When I asked why, I was told the money had to be held because it was a new account. I was also informed it would be posted to the account by XX/XX/2022. 

I still have not received credit to my account. Additionally, when I checked my XXXX account, I see where the payment was returned, despite having sufficient funds to cover the payment. See attached screenshot. I believe Chase purposely returned my payment due to the fact that I have been repeatedly trying to resolve this issue. I received a case number from a member on the executive team ( XXXX ), and yet no one has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX was taking out with a line of credit for {$25000.00} on XXXX to XXXX a lien was put on the property. This loan was paid off XX/XX/2011 the lien was not released from the original lender XXXX XXXX XXXX The bank has merged three times. 

My loan office and myself have request a lien release six weeks ago. In week four of the six weeks, we requested a follow up on the status. They could not give any information. I called today, requested assistance with the process, no information again. 

I am not able to close on an approved loan application due to the bank not offering or providing any information, by a clearance letter or releasing the lien. 

Thank you for guidance in this situation!

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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a cash deposit on XX/XX/2022 at XXXX XXXX through the drive through window at the Truist Bank located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
The gentleman took deposit, he never confirmed the amount of XXXX dollars that I had written on the paper placed inside of the envelope with the bills totaling the amount of XXXX, XXXX dollars. The teller handed me a deposit slip for XXXX dollars. I immediately questioned it as it was XXXX dollars short. He stated that is all I gave him. I then went inside the branch and asked the teller to get the manager. He proceeded to argue and I told him I was stepping away and waiting for the manager. 

I spoke to the manager and she had him count the drawer. She stated it was accurate. I then requested and investigation and the cameras be viewed. It has been 12 days and have yet to get the matter resolved. I also called the corporate office and spoke to another gentleman to file a second complaint. I have spoken to the branch manager on two separate occasions to no avail. As more time passes it becomes more difficult to verify and the camera footage could potentially be deleted. Thank you for your assistance with this matter.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked Experian Credit Bureau to do a verification on my credit report. They stated everything was accurate on my Experian credit report and upon my own research I've found improper inaccuracies after they did the thorough research. 
The accounts that are inaccurate are XXXX  XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ). THESE ARE NOT MY ACCOUNTS AT ALL. In accordance with the Fair Credit Reporting Act XXXX  XXXX ( Account # XXXX ) and XXXX  XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A.States that i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-26 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: Kikoff Inc.
State: TX

Complaint narrative:
A line of credit was fraudulently opened in my name under the account title Kickoff Lending LLC in XXXX of XXXX. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that Kickoff Lending LLC apparently verified the account according to XXXX. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the Kickoff Lending. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX. XXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
A line of credit was fraudulently opened in my name under the account title XXXX XXXX XXXX in XXXX of 2022. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that XXXX XXXX XXXX apparently verified the account according to Experian. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the XXXX XXXX. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX XXXXXXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.

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 2022-07-26 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: MO

Complaint narrative:
RESPONDING TO TRANSUNION for COMPLAINT # XXXX Please Investigate Consumer Report. 

Dear TRANSUNION, I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/2022 I sent a complaint through the CFPB for TRANSUNION to investigate a violation of an account on my credit report. They did not properly investigate my credit report and has violated my rights under 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a 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 may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. I have not given written authorization to furnish this account on my credit report. Also, please show proof of how you verified this account or delete it from my credit report. 

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX - {$7900.00} XXXX XXXX XXXX - {$9000.00} XXXX - {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposit the total amount of {$4700.00} cash at Chase ATM, address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. However, I received the bill that I only deposit {$1700.00} and give me the number to call and check again. I find the {$6000.00} claim through that number, but the bank denied {$3000.00}. This money is my tuition fee so I need it as soon as possible. The bank still post {$1700.00} transaction on my account and ignore the {$6000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
Today ( XX/XX/XXXX ) I called IQ Data directly and the representative stated the words verbatim 3 notices were sent out between XXXX and were not sending anything else. Are you settling or what? 

I then proceeded to say, no, I have a right to validate debt, now what address did you send those notices to starting from XXXX? 

Her response was the address in XXXX doesnt matter and she provided me an address that is my moms address and proceeded to say, thats not my problem you didnt receive it. Check with your mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: NJ

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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX 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 explanation
Consumer complaint received 2022-07-26 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: NJ

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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX 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