vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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 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 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 explanation
Consumer complaint received 2022-06-02 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 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 2022-06-02 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: NJ

Complaint narrative:
I have contacted XXXX, Transunion and XXXX via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also Transunion will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.

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 2022-06-02 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: NJ

Complaint narrative:
I have contacted XXXX, XXXX and Equifax via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying for months to get the due date changed on the account. Capital One Auto Finance refuses to do so claiming it is not possible. The loan company knows that I do not get paid until the first of the month. I am a XXXX veteran at XXXX % XXXX as rated by the Department of Veteran 's Affairs. This is causing larger and larger amounts of interest to be assessed by the loan company and they know this. They are utilizing this to get more money from me in the end. I need the CFPB to help get this resolved as they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase Sapphire Preferred card with Chase Bank. After 10 days of opening the account and 1 day after receiving my card, they told me there was a mistake by opening my account since there was a consumer alert on my XXXX account. I'm in the process of updating my information so all of my identification is correctly statement on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In short, Experian just told me they don't require any proof of debt whatsoever in order for a company to put a collection in your credit file, and all they have to do to counter a dispute is to say it's real. 

I have a collection regarding some random company I've never heard of and I've been unable to reach the collection agency, so I filed a dispute with Experian ( for some reason they are the only agency that is reporting it ). 

In the end, they said the collection agency said it was legitimate but when I inquired with Experian as to what proof they had sent, they responded with 'the proof resides at the collection agency- they just responded with a confirmation that the debt is accurate '. 

This is literally insane - what they basically told me is that anyone could send them a collection, accurate or otherwise, and they just ding your credit without any actual documentation or proof, and if one disputes it all the company has to do is say 'it 's legitimate '.

This can not possibly be in the spirit of the mechanism the agencies agreed to as the burden of proof simply doesn't exist at any step in the process. How is it that this is even remotely acceptable, let alone legal?

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC
State: NV

Complaint narrative:
In XX/XX/XXXX I was called by CDS XXXX who reported to have been referred to me through a recent XXXX XXXX XXXX XXXX. They claimed that if began paying them a monthly fee of XXXX Dollars for 6 to 18 months, I would resolve my XXXX XXXX credit card debt with XXXX XXXX. I was advised to pay this through an ACH check tht they cashed every month for a year. My credit score would be improved be either A ) Canceling the debt through requests to the 3 credit bureaus or B ) settling the debt amount with XXXX XXXX if the first option was not successful. I was advised to stop paying the credit card debt and avoid contact with the creditors/ advise them I am now working with CDS financial. In XX/XX/XXXX XXXX XXXX claimed that my account was now resolved and my credit score was XXXX points higher through the credit monitoring service they offered. My credit score is XXXX points lower on all other services such as XXXX and XXXX XXXX. In XX/XX/XXXX I was served with a Law suit for the credit card debt. Since then, XXXX XXXX has written a fraudulent letter stating they are negotiating a debt settlement with XXXX XXXX. I am now forced to pay this debt through a law suit. When asked for a refund due to the lack of services provides, they reported they could not refund any money because the account was closed in XXXX, They have not offered any help and have avoided contact since this. They have simply taken over XXXX of my money and advised me to damage my credit score. I now understand credit repair is a very unregulated market and is exploiting vulnrable people trying to rebuild their financial wellness

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02 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: MI

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 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  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 2022-06-02 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: MI

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 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 XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DEPT OF ED / XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF EDXXXX has violated this law because this late payment is reporting on TransUnion.

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF EDXXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.

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 2022-06-02 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: MS

Complaint narrative:
XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been trying to correct my records through Equifax/work number/Talx for some time now. The entire time I was trying to view them I start getting ads from Equifax, then I get locked out over and over. There were also several other links popping up at the same time. Half of my records are either incorrect or totally missing. To top it off somebody is working under my social security number, phone number and other email at NIH. 
It makes sense as to why I found XXXX on my phone a few times. To top it off I found a small females border patrol green recruit jacket inside my house near all of my paperwork after returning from being gone for a day towards the end of last year. Who ever it is is affiliated with Equifax because they kept kicking me off the entire time. 
How am I supposed to handle this type of situation when it is people in places of trust Misusing my information and abusing their positions of trust?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
I have contacted Equifax on three separate occasions about 2 weeks apart, I sent in the required documents to verify my identification and yet they still refuse to : 1. Release my credit score and profile on their site www.myequifax.com 2. Failed on 3 documented request to remove the suffix at the end of my name, I am not a XXXX and I have send supporting documents and they simply don't care to follow the laws of accurate credit reporting. 
3.Latest request on XX/XX/2022 confirmation number XXXX, shows the receipt of my documents that shows no XXXX on my name and their response was that they still have creditor with there company that has me with accounts in that name and refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Nelnet, Inc.
State: NY

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation