vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: NY

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 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 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I had sent a wire transfer for {$6400.00} from my Citibank checking account to my sister in XXXX. On the transaction receipt it was mentioned that the money be available by XXXX XXXX or even sooner. As of today ( XXXX/XXXX/XXXX ) neither my sister received the money, nor the money has been returned to my account. I called Citibank around XX/XX/XXXX to check the status of the wire. I was told to provide my place of birth and proof of my citizenship. Per the requirements I had provided copy of my US passport and disclosed my place of birth. I have made several calls ( calls dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Citibank Wire Specialty Unit and every time I called I got a totally different answer or information from a Citi rep :. 

What I understood that the wire was blocked for XXXX reason as my name is " XXXX XXXX '' and the money was going to XXXX. But Citi never confirmed that me and told me that the money was released and held in XXXX. My sister checked with her bank, XXXX XXXX XXXX XXXX XXXX ), and she was always told that the money never made to XXXX. 

All I want that either the money credit to my sister account, or return to my account. I has been over 100 days and no one at Citibank seems to track the wire. It is hard to believe for a bank like Citi to having difficulties tracking the wire. This delay makes me believe that Citi is not treating me right. 

Regards, 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 2022-06-24 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-06-24 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: NJ

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NV

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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: CA

Complaint narrative:
My card was stolen and used to make XXXX fraudulent purchases totaling {$210.00} ( XXXX {$200.00} ; XXXX XXXX XXXX {$6.00} ; and XXXX XXXX XXXX  {$8.00} ). I had completely paid my account, so the only balance comes from these fraudukent charges. I contacted First Progress by phone and was told that " disputes was looking into it. '' I followed up with a letter and there has been no response now for about 30 days. In the meantime I have made {$90.00} in payments all toward these fraudulent charges to keep my account in good standing because First Progress will not process my dispute. Now they have charged me interest and informed me that I have a {$43.00} minimum payment due. Again, ALL of this is on fraudulent charges because I had completely paid off my account. They have also ignored my request for a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I had a loan through Ally for a used XXXX XXXX XXXX I bought from XXXX the loan was re-financed in XXXX through XXXX and then paid off in full. on XX/XX/XXXX I truck the car back to XXXX resulting in them issuing a refund for the warranty remaining in the amount of {$670.00}, This had to be issued to Ally Bank as it was the original source of payment. I've contacted Ally Bank numerous times since XX/XX/XXXX and get the run around every time, and I have yet to get the check. Sometimes they will say they see the credit but no date of when I will get the check, other times they claim there was no overpayment even though the check was refunded after it was closed and that I am due no refund.

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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I was contacted about one account from an apartment that I paid off, and as soon as I paid it they attached an account that I was not associated with for an additional {$610.00}. I told him I didnt owe that, my name was not on that account, and they need to remove it off of my credit. They refused to, stating that they knew that I lived at the apartment ( even though my name was never on the lease ). Im not even sure if that is legal to attach a debt I was never connected to because the account holder was a girlfriend at the time. Because I need to move, I wanted it off of my credit. I asked that it be removed off my credit and whomever the account was associated with, and was transferred to the operations manager, XXXX XXXX, who immediately was loud, abusive, and rude, stating that he was sending a letter of deletion for both parties as a courtesy and if I did not tell him what card I was paying with, and if I didnt pay he would disconnect the call, and I would be free to call back and pay without getting the account deleted. The second I told him I had already planned to pay and told not only him but his other coworker who manage my account that I was paying and just wanted to get the letter, he continue to cut me off and yell. The second I told him I would give him my card information he immediately changed his tune, took my information, and immediately hung up. I understand that collections can be seedy at times and dealing with the public that owes debts can be frustrating but I have dealt with not only him, but other account managers being EXTREMELY rude right off the bat. I have been threatened multiple times that my credit would suffer if I did not pay the full amounts. I am beyond livid that I wasnt even given the courtesy of a civil conversation and I am essentially being backed into a wall and forced to pay them money I should not be responsible for. This is one of the worst companies I have ever dealt with and I dont know how they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America sent me an email that I apply for credit card which I didnt. Later the back send Credit inquiry file to damage my credit line. I have never applied their credit card at all not sure why they send to credit report about my credit inquiry.

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 2022-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrysler Capital initially reported this loan as a repossession although the loan was paid off in full by my car insurance. I disputed this and finally got them to remove the repossession since I was able to prove that insurance classified the vehicle as a total loss and paid the debt in full. Only to have Chrysler Capital update my credit report to show " late payments '' which is incorrect information. The creditor themselves are not able to provide concrete dates for these alleged late payments. Some show 30 days late while others state 60 days late. Additionally the dates ( months ) in which the late payments allegedly occurred are inconsistent across the 3 credit bureaus and overall incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: KY

Complaint narrative:
XXXX Mortgage XXXX XX/XX/XXXX. 
XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.

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 2022-06-24 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: NV

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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX 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 2022-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX  XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX  XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) has violated my rights.

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

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 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
In XXXX a collection appeared on my credit report. 

I lived at this complex from approximately XX/XX/XXXX - XX/XX/XXXX. 

3 years later a collection account shows up on my credit. 

Never received any calls, emails, letters etc. 

I am getting charged for something 3 years after I moved out. Even after other people occupied the property. 

I have disputes on all 3 bureaus. Only XXXX has removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I had a home loan thru Mr. Cooper. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
New Information : On XX/XX/2022 I previously sent in a dispute requesting Experian delete this inaccurate, erroneous personal information from my consumer report. Compliant # XXXX I attached my identification with my correct address and my dispute letter and I received a notification today XX/XX/2022 that Experian was in the process of removing the address. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. which was was the address in question. Experian violated my consumer rights per FCRA, FCDPA. Experian deleted my correct and current address. My identification proves my accurate address and they deleted my current address. See the proof in my documents. I will seek monetary relief. This is illegal to remove my correct and current address.

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