vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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 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 non-monetary relief
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I checked my credit score which went down around XXXX points and I wanted to see why. It says I opened an account with capital one bank and spent {$760.00} but I only bank with XXXX. I wanted to file an identity theft report, get it disputed and see if the my credit could be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: WV

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-04 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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-08-04 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: CA

Complaint narrative:
I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX  I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.

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 2022-08-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX  reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.

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 2022-08-04 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been lied to repeatedly by PNC bank..I had a transaction that comes out automatically, it did it twice. I immediately called the bank, first they say if I go online, I can cancel the transaction.. ( first fib ) I called back and asked for it to be removed, I am told I have to do a dispute.She says she filed it after asking me to verify my account. I call a few days later. I am told no dispute was filed..ask for it be filed again, I call two more times, it still wasnt filed, speak to a supervisor he says it has to be filed because how do they know I am being true full. I ask him is he saying I am lying, he says how do they know I am not, he says he filed a dispute..I hang up, call back in two days..Still no dispute filed..I email the ceo and someone calls files the dispute but I have to wait 10 days for a resolution, I have already waited two weeks, I explain my paycheck will come in and a bill payment and with my account being in the negative it will cause stress to my account and me. My check had to be mailed to avoid this, I still havent received it, my rent is now late, bill payment behind.. I was told when I opened my account by the assttant manager at the branch about overdraft protection and that I should add to my account, which I did. I assumed the overdraft protection would be in place to take care of this.. I speak to someone named XXXX from there executive customer services who proceeded to tell me that overdraft protection is used through what you have in savings and if I wanted true overdraft protection I have to do a credit application.. I would like them to be held accountable for continually lying, I have the calls taped as I am XXXX in one ear and my calls tape and or transcribe.They treated me very poorly in the first transaction.Calling me a liar and acting as if it was a {$4000.00} transaction and it was {$46.00}. and some cents..This bank is mulipulating consumers intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
On XXXX I reached out to Experian to dispute the date for removal of a BK-XXXX that's on my Experian credit report showing filing date of XX/XX/XXXX which is scheduled to be removed on XX/XX/XXXX. First of all, the dispute was not accepted on line. After calling and speaking with the representative, she explained to me to that could upload the supporting documents into their system and they would allow the item to be removed early since it's with a 120 day window. I went to submit the document on the site she gave me and that site doesn't accept the documents that's 2 pages big so I then split the pages and it still states item was to large. Then the system just would continue to time out even though I completed all the information needed in under 3 minutes. I then was told to mail the documents in to XXXX, Texas. The system should not be this hard to try to get your life back on track. It makes you want to give up and not even deal with this type of thing. Honesty, I think its by designed to deter normal, hard working citizens to not better their credit and to keep them going through life with the highest interest rates available.

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 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
This company appeared on my credit report about 3 years ago, with a debt that shows from 2008. They have called my mother tell her that I had an emergency situation and that they need to get in contact with me. They have called my local union hall and relatives. 

I have requested that Navient validate the debt on 3 different occasions, once over verbally and twice in writing. I have filed with fraud claims with all three credit bureau and have successful at removing item from one. I reached out for legal advise and the stated that I should file my complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I never gave written Pursuant to 15 U.S. Code1681 ( a3 ) .Equifax assumed a vital role in evaluating my consumer credit and other information about me. have a right to privacy. Pursuant to 15 U.S. Code 1681 - ( a4 ) Equifax didnt exercise their grave responsibility. Equifax was unfair, impartial and did not respect my consumer right to privacy.

Pursuant to 15 U.S. Code 1681b ( 2 ) I never instructed Equifax to create this report, and I never consented to this report. 
Please remove all accounts from my consumer report permanently. I am aware of the Equifax Credit Breach XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2022, requested disputes on a lot of thing on my credit report. Experian investigated them. And over a period of time, some they cleared up others, they left as " Potentially Negative '' even though the credit items are closed with a XXXX balance. Or they didn't belong to me directly. I have working hard to clear up my credit for years. And the majority of my accounts state that I have never been late of a payment. When the increase my credit they increase it by one, three or six points, but when they have dropped in it has been dropped as much as fifteen or twenty points. That keeps it below the FAIR rating. Yet the promote getting more credit cards, when I have done that, that drops my credit score even lower. One of the main credit items is XXXX XXXX XXXX, they took over to account that should be taken of my credit ( XXXX 's and XXXX XXXX XXXX XXXXy ), they have yet to be updated.I feel as if I have been put on a hamsters wheel. I don't feel as if the companies who decide your credit rating should be promoting getting more credit. Thank you for you 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2022, we opened a checking account, in addition to our current high-yield savings account, but this account was only in my wife 's name. We transferred {$15000.00} total to this new account. This was done at the direction of the mortgage company to be able to gift funds for a relative 's home purchase. The following day, we scheduled a wire to the relative 's account. The bank called the relative and verified the accuracy of the account information. On XX/XX/2022 we received notice that access to both of our accounts was restricted ( no moving of money would be allowed ). The savings account is the account we use to pay our mortgage. After over three hours on hold, no one can release the restriction, tell me why the accounts have been restricted, or provide me with a better timeframe than 30-60 days for the review and release of the almost $ XXXX being held XXXX by the bank.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX keeps reporting items that I gave no consent to and I demand that they be removed..They were never given permissible permission and according to 15 USC 1681a 3 & 4 that is a violation.. 
Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am XXXX XXXX  and I am traveling outside the United States, I got my XXXX check deposited into my bank of america account but the account was suddenly closed. I am unable to book a flight to come back to the United States because the bank is holding my funds. Federal regulations states the financial institution must returns payments to social security administration 's so the money could be deposited into a bank account via direct deposit... however Bank Of America is not helping 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 monetary relief