vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: CA

Complaint narrative:
My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.

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 2022-10-29 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: CA

Complaint narrative:
My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi, I am submitting this as 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 more then 38 times nonstop this is exhausting The problem has not been resolved. my Fico has me at a credit score over 719. TransUnion 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. I made this clear for 60 days straight with TransUnion I spoke to a representative agent by the names of XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department. I prefer to speak to a US Representative 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 one negative credit items outstanding debt collection now that is not mines. 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 first step towards attempting resolution. They kept lying telling me they disputed and its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify.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 and now I'm homeless and l can't provide for my XXXX XXXX XXXX  old daughter PLEASE HELP ME PLEASE I'm XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and they will not reinvestigate this account. The following negative account on my TransUnion consumer report is listed : -XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF CHARACTER.

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 2022-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My benefits that I receive thru the XXXX XXXX which are disbursed thru bank of America has been a complete nightmare. My card data keeps getting compromised somehow and they refuse to give me provisional credit. They are violating regulation E. They are denying my claims without reason and without sending me information on why my claims are being denied. Also when I originally filed the claims about 2cyears ago they didn't include all the transactions I was disputing and now it's to late to dispute and get My money back for transactions that happened years ago. I beleieve there is an inside emplyee leaking card info because theres no way someone gets my info time after time.

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 monetary relief
Consumer complaint received 2022-10-29 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: GA

Complaint narrative:
I have contacted the borough several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 


New XXXX XXXX XXXX  account detected Between XX/XX/2022 and XX/XX/2022, your account with XXXX XXXX XXXX  was added to your report. This account was opened on XX/XX/2022. 

New Credit Inquiry We found a new hard inquiry on your file Between XX/XX/2022 and XX/XX/2022, an inquiry made by XXXX was added to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00}

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 2022-10-29 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: PA

Complaint narrative:
Trans Union THIS IS NOT MY ACCOUNT XXXX XXXX XXXX. If you have documentation showing it's accurate and verified please provide me with that because I filed and submitted to you police report and identity theft report. 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 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: OH

Complaint narrative:
Capital Link Management has been contacting my daughter and husband on their cell phones, one of which is a employer-provided mobile phone. They leave multiple voicemails stating they are collecting a debt for " my first and last name '' with a threatening tone, but probably being careful with the words they use. They have sent my daughter texts. When she replies " STOP '' to " opt-out '', seconds later she'll receive another text from a different number. It is always a male that leaves voice messages and one actually spoke with my husband. One of the voicemails states his name is XXXX. 

I DO NOT owe any past due debt. My credit is excellent ( score averages around 800 ) and any lines of credit I have are in excellent standing. 

My personal credentials have been in various breaches over the years, including XXXX, XXXX, etc. As a result, I have been a victim of identity theft. " Someone '' submitted a XXXX tax return with my SSN and personal data. Thankfully the IRS have security protocols in place. Unfortunately, I can never file my federal tax returns with my SSN. I must use a TAX ID with PIN. 

I would like Capital Link Management to cease all communication with my family members, as I do NOT owe or have any past due debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: SC

Complaint narrative:
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-29 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: GA

Complaint narrative:
I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX Personal loans Total balance : - XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXXXXXX 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 2022-10-29 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: GA

Complaint narrative:
I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX XXXX XXXX  Total balance : - XXXX  Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX  XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I noticed some unauthorized inquires on my consumer report. I did provide these creditors or TransUnion my written consent to report these inquires listed on my consumer report. TransUnion is defaming my name on reporting this inaccurate information.

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 2022-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
I was informed by M & T Bank via e-mail on XX/XX/XXXX XXXX XXXX PST that my mortgage now belongs to them effective XX/XX/XXXX and I should have received a welcome packet and information. I attempted to reach them via phone after the e-mail arrived, as no welcome packet ever came. The XXXX XXXX stated that they are attempting to collect a debt, and my home is in default. No one at M & T Bank answered the phone and I wasted hours in an automated XXXX XXXX with these threatening messages. 
I was not properly informed of this change ; being notified via e-mail 4 days before the transfer is not adequate. I have no account number with M & T Bank and no instructions on how to contact them, as they do not answer the phone and have not responded to e-mails. 
I was able to get in contacted with XXXX XXXXXXXX XXXX via telephone today XX/XX/XXXX and requested the payoff information. I do not want my house to end up in foreclosure due to this transfer, and will find a way or obtain a loan to pay off the mortgage. I requested the XXXX XXXXXXXX XXXX  staff member to figure out where this debt is coming from and why M & T Bank is stating my home is in default. She couldn't explain where M & T Bank is collecting their information. The XXXX XXXX XXXX employee stated I received an email informing me of the change on XX/XX/XXXX ; however, that e-mail was not received and no other notifications were provided by XXXX XXXXXXXX XXXX regarding my mortgage transfer. 
M & T Bank needs to do better, sending an e-mail with no account information or appropriate contact number is not acceptable. Homeowners are only left with trying to find away to have their mortgage paid off to prevent their home from going into foreclosure. M & T Bank has failed to provide the adequate resources necessary to continue with the mortgage process. Most likely they are an illegal operation who erroneously collect debts that do not exist, forces defaults, and forecloses on homes.

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 2022-10-29 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: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I purchased {$2.00}, XXXX ( XXXX {$500.00} each ) of prepaid XXXX  cards at a grocery store that were issued by Incomm. When I opened the packaging on the cards, I saw the last XXXX digits were missing on XXXX out of XXXX cards. In addition to the last XXXX digits being missing, the back of the respective card had no cvv code. 

I opened a complaint with Incomm and was assigned case # XXXX. I sent documents showing the missing numbers on the card as well as a picture of the receipt. 

On XX/XX/XXXX, I received an email saying I would be issued replacement cards within 7-10 business days. It has been 20 business days but I have not yet received the replacement cards. 

I have called the company multiple times to ask them to resend new replacement cards with a balance of {$1000.00}. As of my last call on XX/XX/XXXX, the customer service rep initially said that given the 7-10 business days timeline had long since passed, she would need to talk to her supervisor about sending new replacement cards. After talking to her supervisor, she came back on the line and said they can not issue new replacement cards and I needed to wait until XX/XX/XXXX, before calling back as maybe the original replacements cards had been delayed. 

Given that its been more than 30 days since the original complaint and the fact that the replacement cards have most likely been lost in the mail, I am filing a CFPB complaint rather than waiting on whatever new timeline Incomm makes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
Our home was damaged on XX/XX/XXXX in the Derecho storm. Our insurance checks were sent to the Citizens Bank and XXXX XXXX but the they are not releasing funds so we can fix our house. We have been in a hotel since XXXX and the state Attorney General has contacted them multiple times and we are getting nowhere. They are earning interest off our insurance payout from XXXX XXXX for the purpose to fix our home while were paying insane interest rates on credit cards trying to survive. We also took out a XXXX XXXX XXXX  ) loan to try to pay for the repairs to get back in our home but its not enough. They have put in place systems that slow walk the money as a business model to earn money off of people in crisis. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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