vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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  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 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 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 2022-06-18 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 A 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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has placed a fraud alert on my credit file that I did not authorize or request. I want this fraud alert and statement removed from my credit file immediately. XXXX XXXX XXXX  denied my application due to fraud alert being listed on my credit file. This is totally unfair and I want this inquiry removed due to Experian placing a fraud alert that I did not request thanks.

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 2022-06-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Due to my computer being hacked in XX/XX/2022, my financial information was stolen and a fraudulent loan from Upgrade IncXXXX in the amount of {$21000.00} was taken out in my name. These funds were transferred to my XXXX XXXX account. After many phone calls to Upgrade, I was finally able to transfer the funds back to them on XX/XX/2022. I was told that they had received the amount and I would receive no demands for monthly payment. However, I am still getting emails asking for interest payment. After weeks of unresponded calls to Upgrade Claims Escalation and Resolution Dept, on XX/XX/XXXX I sent them a registered return receipt letter, attached my police report and IDtheft.gov report and requested they remove this loan. I never got a response. My latest call to Upgrade was on XX/XX/2022, and the person I spoke to said he could not transfer my call to their Claims Resolution Dept. He could only make another note in my extensive call log and someone would get back to me in 3 bus. days. I've heard from no one. All I want is for them to stop asking me to pay interest on a loan that no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NY

Complaint narrative:
Experian. This is my FINAL attempt to contact you! These XXXX XXXXate payments are NOT mine! They need to be removed asap! This is defaming my name and perfect credit history! Ive also been denied credit because of this falsified information! These accounts are NOT mine and if NOT removed asap I will have to reach out to my legal counsel. You can see that the amounts have no background no history other than one single late payment and for small amounts which is ridiculous! They need to be removed. 
Youve ignored my XXXX XXXX XXXX  letters, no response other than computer generated dispute. These accounts are not mine and need to be deleted. 

Account numbers in question are as follows. 

XXXX XXXX  XXXXXXXX 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 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had an absolute nightmare with chase. I am a XXXX  XXXX XXXX worker. Chase has made my life a complete disaster the last couple of months. They always give me a different story when I talk to different departments and ask me questions iv already answered many many times before. For times sake I'm going to mention the current problem only. I just moved to XXXX XXXX last week. I was approved for a new checking checking account and decided to mobile deposit an check for XXXX after a business day the funds were available and I went to the bank to withdraw XXXX XXXX Next day I try to buy a window unit of of a third party vendor named Offer Up for XXXX XXXX being that my account is new I didn't have a physical card. so I went to the atm to use my mobile wallet ( which they recommended me to do ) and it was decline for " technical difficulties " the bank were closed so I tried to XXXX the person selling me the window XXXX unit and chase doesn't allow it, says it needs review. I give it to next morning and chase restricts my account. I can't even sign on to view my accounts. I call and spend way to much time to get the instructions to visit the branch to verify identiity. this also took way too long but they requested my rent agreement and XXXX to be scanned in by a banker only. 6 hours later we call back and they STILL haven't received any documents and then tell me I won't be able to get the restriction off even when they do get the proper documents because of some algorithm someone did to my account. The " : loss prevention " was telling me something about suspending my funds. 

Mind you this is just the current situation, things have happened like I've been at pets mart picking up my yorkies from the groomers in XXXX California and couldn't pay because chase randomly closed my card because of identity issues. They kept me being able too physically in person. withdraw funds bevsue the teller didn't know how to deal with out of state customers, they made me late on rent and deposits for new housing, And now they are restricting funds from a Check that was deposited into a new account and I'm suffering in blazing temperatures because I CANT ACCES MY OWN HARD EARNED MONEY. THIS HAS HAPPENED WAY TOO MANY TIMES. as soon as I get a chance I'm withdrawing every single XXXX and never ever looking back at the horrible Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: IL

Complaint narrative:
XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and transunion. They too have been unhelpful.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and XXXX. They too have been unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 stated 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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 stated a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NRA Group, LLC
State: PA

Complaint narrative:
In accordance with the fair credit Reporting Act # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Date : XX/XX/XXXX Agency name : National Recovery Original Lender : XXXX XXXX XXXX Amount ; {$1600.00} I sent multiple letters to the creditor as well as the credit reporting agency on XX/XX/XXXX ( XXXX and XXXX ) requesting VALIDATION of this account first class mail. The reporting agencies did not furnish requested documents supporting this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I have dealt with this company for quite some time over at least the last year or more. Their website clearly states that we have the right to pay off loans early with no penalties. I paid off two or three loans I had off early as per their website. However, when I took out this last loan, I believe I was penalized because of my great paying history and my ability to pay my loans off early. In the past, the very same loan amounts, I would pay around or near {$160.00} per paycheck. However, when I took this most recent loan amount out, my biweekly payment was {$410.00} per paycheck for nearly the same loan amount in which I was paying {$820.00} per month since XX/XX/XXXX. I just looked at my loan balance and it clearly shows my balance as {$410.00} but I am unable to obtain a payoff amount and the payment schedule shows that the loan does not pay off until XX/XX/XXXX. I emailed the company today, called twice in XX/XX/XXXX in which they decreased my payment amount from {$460.00} to {$300.00} per pay period. I also called in XXXX and was told there was nothing that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX BANK 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 15 U, S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan

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 2022-06-18 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 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 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 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