vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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:
INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( EXPERIAN ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/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 2022-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
In accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-15 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Date of transactions : XX/XX/2022 XXXX ET- Amount {$800.00} USD Date of transactions : XX/XX/2022 XXXX ET- Amount {$800.00} USD I received 2 emails which showed details of the transfer made via western union into the fraudsters account. I checked my western union account and found that 2 transactions were completed ( shown above ) and 3 more attempts were made to transfer amount into his account, which got canceled. To confirm the completed transactions I checked my bank and I noticed the 2 transfers being processed. 
I called western union XXXX to rush on blocking the transfers being made, since I noticed the amount is being processed but western union declined they can do anything on this stating that the transfer is complete. I mentioned that even in their website tracking was showing one transactions not delivered but western union refused they can help. 
Enclosing a screenshot of transactions shown in western union site with date, tracking and status. 

I strongly believe the flaw in the western union security system has allowed another person to log into my details and transfer money into their account. Please protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
The debt is for " repairs '' that were made to a property when I moved out of the apartment. I was overcharged for painting when as tenant over 3 years, painting is considered " wear and tear '' but charged costly for painting. Also left the apartment early and requested repairs. Repairs did not take place but after and the cost for replacing a curtain was for a small window was over {$100.00}. Complained to the leasing office to no avail. Stood my ground to not pay for ridiculous cost of the damages. Now the company I.Q. Data International , Inc. located in XXXX, WA XXXX wants to collect {$300.00} for a {$100.00} cost and repairs to the apartment. I gave them a call looking to settle at 40 % of the cost but the owner yelled, talked over me and tried to intimidate me over lawyer fees and cost. Please help im looking to pay but this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, Equifax, and XXXX ). I received no correspondence from Equifax or XXXX, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, Equifax and XXXX, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, XXXX, and Experian ). I received no correspondence from XXXX or Experian, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, XXXX and Experian, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.

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 2022-06-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint is with TransUnion. TransUnion wrote a statement saying they verify bankruptcy through LCI/bankruptcy courtXXXX. I wrote them back after that with copy '' s of all three LCI/Bankruptcy court letters stated they do not verify. XXXX couldn't verify so they deleted the bankruptcy from they report. I sent that in as well. 30 days later TransUnion send me a letter stated that my letter along with supporting documents and proof of my identity seem like a third party sent information in and not myself.

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 2022-06-15 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 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 XXXX has me at a score around XXXX. 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 XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX 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 XXXX XXXXXXXX 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 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citi Bank credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this Citi Bank credit card would not work with me. XXXX owed was {$6900.00}. For the past 4 years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute with TransUnion for reporting a inaccurate balance on my XXXX XXXX account. TransUnion removed the account completely. I called TransUnion and the stated that XXXX was not reporting to them- however XXXX proved the were reporting to them. 

I need XXXX to show on my TransUnion report.

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 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Mr. Cooper / Previously Nationstar MTG I refinanced my mortgage with Mr. Cooper ( Previously Nationstar ) in XXXX. Upon refinancing I had a couple of debts that needed to be rolled into the loan. One in particular that actually drug out the closing because it was required to be paid to close the loan. All of the information in terms of paperwork and documentation of this said debt was in the closing paper work, however, the debt was never paid. When I reached out to my loan officer ( XXXX XXXX XXXX and his leader ( XXXX XXXX ) from the XXXX, XXXX  office, I was told that it was in fact a miss on their part, but it had already been processed and there was " nothing they could do about it. '' I since than have had my wages Garnished by my employer ( how embarrassing ), and continued to reach out formally to Mr. Cooper to file a complaint in hopes that someone could help to make light of the situation, with not only no response, but received a letter that my monthly payments would go up XXXX $ per month due to escrow increases. 

Mr. Cooper showed no accountability, empathy, or took no opportunity to make the situation right. I, in no way wanted them to absorb my debt, but simply avoid wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with 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 XXXXdays 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 XXXX XXXXXXXX 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 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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was on vacation to XXXX XXXX XXXX from XXXX, XXXX 
On the day XX/XX/2022, I was in transit at XXXX on the way to XXXX, where I withdrew {$40.00} from an ATM machine so that I would have some cash when I arrived at the airport at XXXX XXXX. As I read online that the cheapest way to manage money in XXXX was to withdraw cash from ATMs using a Debit card, my plan was to withdraw about {$300.00} US as I set $ XXXX budget for this trip. When I landed at XXXX XXXX airport by XXXX XXXX ( XXXX ) at XXXX. I picked up my bag, went though the gate and was welcomed by a bunch of travel agents who stopped us to sell taxi rides probably for about 30mins. After this, I went to an XXXX ATM machine at the airport to withdrew XXXX pesos. After the transaction I walked the overpass to an XXXX pick up location and waited for about 30mins to catch an XXXX to XXXX XXXX XXXX 
On the same night, I checked my Capital One app and found 7unauthorized transactions which were made at XXXX XXXX XXXX ( {$270.00}, {$270.00}, {$460.00}, {$530.00}, {$560.00}, {$41.00}, {$190.00} ) as well as XXXX withdrawals ( {$360.00}, {$360.00}, {$250.00}, {$360.00}, {$150.00}, {$100.00} ). I did not realize that the card was not produced by the atm machine as later, I learned that the card does not come out unless you press to confirm the transaction was completed. I believe the card was left in the machine until someone else got hold of it. My bank is approving the XXXX claim for refund however they have declined my withdrawal claim within 2 hrs of the claim being made. The reason for the decision was because this was chip to chip transaction. They had not conducted a thorough investigation that they promised to conduct under their protection program which should normally take 45 days to 90days. I have contacted the bank to dispute the decision as I dont believe they have done an adequate investigation. I need them to do a proper investigation into the case as they promise under their protection program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My file is still not updated correctly. This Court file number : # XXXX for eviction proceedings is still on the last report you provided me on XX/XX/22. It should have been deleted as well. I was never evicted from that property. And that case file number also does not exist in XXXX XXXX XXXX county case system as well. Please run a check for yourself. Please update your records accordingly. It is illegal to show evictions that did not occur

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