vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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 Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXXXXXr PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NY

Complaint narrative:
Hunter Warfield XXXX amount {$13.00} Is reporting negative on my credit profile. 
Requested documents never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A Section A Section 2, it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. 10-1-36 law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.

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 2022-12-14 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: GA

Complaint narrative:
On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. 10-1-36 law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.

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 2022-12-14 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: TX

Complaint narrative:
Upon a recent review of my credit report, I have found an error in a reporting account on my profile. This account does not belong to me and should be removed immediately. 

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 2022-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I currently got behind on my mortgage payments due to COVID-19. Hours were cut then the primary lost his job. I sent s modification package with all docs on XX/XX/XXXX via overnight but the post office lost the package. I had provide the tracking number and kept calling back so on XXXX I spoke with a rep who when over the COVID-19 careact and submitted for that she stated on that call she would tell the loss mit dept to disregard docs because careact help does not need docs. After that call 2 other reps called me about missing docs but then stated that seen I was pending for careact and could take up to 30 days stated that I didn't need to send docs. The last call being on XX/XX/XXXX. Then on XX/XX/XXXX when I called I spoke with an XXXX XXXX ID # XXXX who stated that I need docs XXXX didn't understand what I was trying to explain what XXXX stated to me was that " I could hung up and call back and speak with someone if I didn't like what she was saying ''. I requested for a supervisor the supervisor she connected me with was her supervisor whom name was XXXX after explaining to XXXX. XXXX ask me so " you were trying to use your mod docs from XXXX we can't use Mod docs from that far back '' I never said that and don't even know were he got that information from. Ask XXXX repeatedly to pull the call from the last reps going back to the rep who offered/submitted me for the careact XXXX began XXXX say things that I don't know what he was saying almost like he was disorientated. I have made multiple calls to try to resolve this matter with no assistance.

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 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Bank of America account to XXXX to fraudulent investment firm.

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 2022-12-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Greetings, My name is ( redacted ) and on XX/XX/XXXX I noticed a transaction go through my US Bank checking account to XXXX XXXX in the amount of {$1600.00}. I immediately called them ( within minutes of noticing the transaction ) and told them I did not do this transaction. They closed the debit card that was used for that and issued me a new one. I thought that this would end that but I noticed on XX/XX/XXXX that the transaction had been approved! I called the US Bank XXXX XXXX XXXX Department and they had said that my claim was denied. They couldn't give me specifics of this but said they're mailing a copy of the denied claim to me. I asked them to reinitiate the claim and was told that would happen. I was not giving any semblance of an answer as to why I called them so quickly claiming fraud and they still processed the transaction. Attached are documents of the transaction On XX/XX/XXXX, I went into the XXXX XXXX of US Bank to file a complaint. The banker I worked with understood my story and was equally confused when I told US Bank that I did not initiate this transaction within minutes of it occurring and yet the transaction was allowed to be completed. She was able to also reinitiate a claim from there and I am told that this XXXX take up to XXXX days from the claim ( XXXX XXXX ) to be fully processed. This amount is more than my monthly mortgage which I currently haven't paid yet. 

I am wondering if there is any help I could get from your institution or if there's another avenue I should also go down. I am also thinking I should file a police report. My complaint is specifically with US Bank letting a transaction go through when I called and told them fraud within minutes of seeing the pending transaction. Also, XXXX XXXX should be involved but I have not reached out to them. 

I also contacted the Minnesota Department of Commerce filing a complaint last week. They are not investigating further since the Department of Commerce has no jurisdiction over US Bank. Their contact ( can provide contact information ) recommended I contact your institution. 

Please let me know next steps to take or any more information that I can provide. 

Thank you for your help, 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 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a consumer and CAPITAL ONE is Violating 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA. CAPITAL ONE, have NOT provided me a copy of ANY original documentation, and is required to Promptly Delete all information which can not be verified off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: PA

Complaint narrative:
Upon reviewing my Transunion Consumer Report I noticed inquires on my report that may have been result of Identity theft. I notified Transunion rep who refused to remove the inaccurate information. I am a victim as my information was released without my consent in XXXX 's data breach which in turn this may be a result of. XXXX XXXX XXXX XXXX, XX/XX/22 XXXX XX/XX/22, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to FCRA I have a right to FAIR and Accurate credit reporting. This information is inaccurate.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I got a car from JDByrider in XX/XX/XXXX the car was returned to them in XX/XX/XXXX I also filed a XXXX XXXX bankruptcy XX/XX/XXXX that included this account. I was looking at my credit report today and they are reporting that this account was closed in XX/XX/XXXX. This is incorrect and I would like this removed from my credit repor asap because they are reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been attempting to obtain my credit report from Equifax since XX/XX/2022. 
I received a letter from Equifax dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at MyEquifax.com XXXX times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : https : //my.equifax.com/consumer-registration/ACR/ # /system-error Furthermore, I called the Equifax help number ( XXXX XXXX literally XXXX times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with XXXX and XXXX. 
This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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
Consumer complaint received 2022-12-14 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: Freedom Mortgage Company
State: NY

Complaint narrative:
Please note I was very alarmed when I learned that Freedom Mortgage reported me as 30 days late for the month of XXXX. I was not late in XXXX at all, as can be evidenced by the payment made on XX/XX/XXXX. Please note the attached XXXX Statement clearly showing that the the XXXX payment was received/ A payment of {$3400.00} was made on XX/XX/XXXX. The due date is XX/XX/XXXX. The payment was 14 days late, and shouldn't have been reported at all. 
Please correct the reporting and report the account as current. I have never been late on this account as I am enrolled in autopay. 
Please see the attached Mortgage statement clearly showing that the payment was made on time, as well as a screenshot of my current reporting depicting the 30 day late reported by Freedom mortgage

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