vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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 ( FCRA ) Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have all 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-13 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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 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 XXXXXXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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:
XXXX / XXXX ... XX/XX/2017... I disputed the balanced. XXXX / XXXX closed the account not allowing me to make payments. I made several attempts to make the payment before the due date. The account is question has been paid in full but after the due date because XXXX XXXX XXXX would not allow me to make a payment

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 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an Ashley furniture account for XXXX XXXX  with synchrony bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at synchrony bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- 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 2022-06-13 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & 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 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 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Hello, I have been trying to figure out how to resolve a so called collection account with a balance of {$470.00} that appeared on my credit a few months ago with no solution. The company name is Radius Global Solutions LLC and when I call them they can not seem to ever find my file and I recently emailed them requesting proof of the debt and they sent me a letter in the mail now asking me for proof of the debt such as collection account number and original credit information to verify my debt so they can locate my file. I do not have that information as thats what I was requesting from them. I have disputed it through XXXX and they always say the debt is valid and will not remove it even though no one can verify the debt 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 explanation
Consumer complaint received 2022-06-13 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: KY

Complaint narrative:
( No subject ) [ Draft ] This message hasn't been sent.

Saved on : Mon XX/XX/2022 XXXX AM This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor has my correct mailing 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
Consumer complaint received 2022-06-13 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C 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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX we paid XXXX for an Appraisal to get PMI removed. Caliber Homes asked us for more information in XXXX XXXX. They refused to take any information over the phone or by email. So we mailed it in not once but twice. They received the Appraisal back on XX/XX/XXXX or XX/XX/XXXX. When calling to check on the status I was told someone would call me back but they never did. On XX/XX/XXXX after a few calls, I learned they do have everything and our current ratio is 81.3 Percent. It needs to be 80 percent to have PMI removed. Today on XX/XX/XXXX I received a letter from Caliber Homes wanting me to send another XXXX and to start the process all over again. So I called back and again no one will talk to me and was told I am still missing information. That they sent a letter on XXXX requesting that information. But on XXXX I was told all information was there. My current ratio is 81.3 Percent so they should not need any further information especially since I was told everything was there on XXXX. They refuse to call me back and remove PMI. We have been going rounds since XXXX XXXX. Since then our house has gone up and I have a letter from the County assessor 's office that values my house higher than what I was told by Caliber Homes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This is in regards to customer case # XXXX. 

I have been a long-time Wells Fargo customer and, recently, requested to close my savings account ( called in XX/XX/XXXX and in XX/XX/XXXX ). Despite two calls where I was assured it would happen, Wells did not close my savings account. Wells Fargo erroneously closed my checking account, which had a balance. 

I learned that this was erroneously closed on XX/XX/XXXX when I received a notice that my automatic bill pays would not be able to proceed due to insufficient funds. Wells Fargo has confirmed this was closed in error by the bank, in a call on XX/XX/XXXX with XXXX ( XXXX. XXXX ). Despite XXXX hours on hold and in branches to attempt to stop the closure, the account was closed. I have yet to receive my funds. XXXX at the Wells Fargo XXXX branch promised I would receive these XX/XX/XXXX. I did not. I instead received a statement in the mail. I have asked that my funds be transferred to my existing Wells Fargo savings account and told this is not possible, but have not been told why. 

Wells Fargo has also told me it is not possible to reopen my account because it was originally opened in a state where I no longer live. They encouraged me to open a new account to help resolve the issue, but could not explain why this would resolve the issue when I have an existing savings account that the funds could be transferred into. I declined to open another account with Wells Fargo and have received no clarity on when my funds will be returned as a result. 

I have called XXXX in the XXXX XXXX XXXX division several times, with no resolution. I have been to the branch. I have emailed XXXX XXXX, the XXXX leading XXXX XXXX XXXX XXXX Banking for Wells Fargo, to provide written notice. The bank has taken no steps to resolve this beyond expressing sympathy and apologies for their wrongly-taken actions. I was told I should have noticed an account notification noting that Wells planned to close the wrong account- in effect, " catching '' the error.

Due to Well Fargos mistakes, I have not have access my entire balance of {$6900.00}, and am suddenly unable to pay bills due to Wells Fargos admitted error. I will incur interest and late charges due to Wells Fargos errors, and none of the customer support agents I have spoken with have been empowered to resolve this. I expect Wells Fargo to return my funds that were taken in error immediately as well as late fees refunded.

This experience is completely unacceptable. Any other time funds are taking without permission and not returned, it's called stealing. Just because a bank does it, why is it any different?

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
My google account was hacked and someone was able to make 2 purchases of {$320.00} to two credit cards I had on file. A XXXX card and a XXXX card. The XXXX card purchase for {$320.00} but google refused to refund me for the XXXX XXXX purchase and XXXXXXXX XXXX  reversed the credit applied to my account which is no longer active. I've tried several times to dispute this with google but they keep saying " After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' The XXXX  card transaction was made on XX/XX/2021 for {$320.00}. 

I realized that an email was sent to me to which I had to respond within a certain amount of day but unfortunately whoever hack into my account also put a filter on my emails, so any emails that were coming from google, online stores, and even my bank I was not getting because they were set to go straight to my trash folder. I finally figured this out after I was having issues with not receiving very important emails and missing deadlines to respond to them. The hackers also hacked into a few other accounts such as XXXX and XXXX. A purchase was made on XXXX but luckily I was able to catch it in time to stop it. Multiple out-of-state ship-to addresses were also added to my google account along with other accounts XXXX I finally figured out how my accounts were being accessed. 

One day my daughter was on the computer and she called me to tell me that the mouse was moving on its own and multiple websites were popping up in google XXXX Someone was accessing my computer remotely. They tried to access multiple accounts and then attempt to cover their tracks by deleting my google data. luckily my daughter was able to stop them before they could delete the history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction

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