vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: MS

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 2022-07-11 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: MS

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 2022-07-11 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: NY

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 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 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 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
XX/XX/XXXX - I attempted to make an international transfer through Wise to a service provider using an XXXX. Wise sent me a message immediately saying they could only make the transfer using the XXXX XXXX. I responded providing the XXXX details. ( Transaction # XXXX ; amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account to see the transaction was still paused. This transfer had urgency so I contacted customer service via Wises in browser chat to see what was the status. I was informed that there was an error on their end and it would take 5 days to clear. I asked if the agent could cancel the transaction. He said he could. I asked him to. He confirmed the transaction as cancelled. I made the transfer again using alternative XXXX based account details provided by the service provider. The transfer was made instantly and the service provider confirmed. ( Transfer # XXXX, amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account and notice that the transfer that had been cancelled is marked as sent. I immediately contact Wise support via email. I received a response from XXXX XXXX ( Wise  ) with an email saying my transaction had not been cancelled but could be recalled. I replied immediately explaining again that they had provided cancellation confirmation to me, the transaction should not have been sent, and they payment needs to be recalled. 

XXXX - I receive notification that my account is being closed. I file a formal XXXX with Wise  regarding the cancelled transaction. 

XXXX - I receive an email from XXXX XXXX ( Wise ) telling me my transaction has been sent ( It appears they are not reading my messages at all ). I respond with the following immediately : " I realize it was sent. I received confirmation that it was cancelled from you via your support chat and the money was sent twice as a result. You then sent it even though your support told me it was cancelled. You need to return my money for this transaction. '' XXXX - After receiving no reply. I send one more message telling them I will be filing formal complaints with whatever regulatory authorities are relevant. I receive no reply to this message either. 

XX/XX/XXXX - I no longer have access to my account or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harley Davidson Financial Services Inc
State: OH

Complaint narrative:
Acct ending in XXXX was paid in full on XX/XX/XXXX at XXXX am. Confirmation number XXXX for XXXX XXXX in XXXX KY. On that day he signed over and legally notarized the bike to us. As of yet we can not get the Harley fiance department to release the lien. We have called a number of times. They claim they sent a letter XX/XX/XXXX but yet he has not rec 'd anything. He allowed us to talk to the bank and give his permission to release anything to us. We ask that just lien release letter be sent to our BMV  so we can get the proper title. Right now because they refuse to do anything on a bike they no longer have interest in we are forced to take money our of our 401K which we will be hit with serve pentalty at the end of the year, until we get the title correct we have to pay off the entire bike with the loan we have. I want a lien release letter sent to our BMV  and to be refunded any money we lose due to their unwillingness to release the title when we have a legal document showing the bike is ours not. We have 3 days to fix this until we have to take your 401K money out which will cost us {$7700.00} in taxes that I will need refund to me and all the extra interest I am paying!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on my consumer report. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX a company by the name of XXXX XXXX withdrew {$230.00} from my account without my permission. I put in the claim dispute with USAA. They went ahead and opened an investigation and never asked me for any of my paperwork or my statement instead they accepted the merchants paperwork and deemed the investigation closed and allowed them to withdraw the money. I have asked on multiple occasion since XX/XX/XXXX to speak to a supervisor to go over the paperwork provided by the merchant and as of today XX/XX/XXXX that request continues to be ignored. I have told them I havent done business with that merchant since XX/XX/2021. I asked them to confirm through their updater system if thats how the merchant was able to charge the new card and that request has been denied and rejected. I told them I didnt even receive whatever XXXX  the merchant is claiming to have shipped and I just want them to do proper investigation. Unfortunately I have gotten no help at all even though Ive spoken to multiple representatives and Im just being ignored. I told them at this point I would need to file a complaint with the CFPB because no one is willing to help me out with this fraud on my account and the last representative by the name of XXXX just said go ahead then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX I disputed a charge on my account dated XX/XX/XXXX and to this date I have not received a provisional credit or has the matter been resolved within two billing cycles as required by Federal Law. The merchandise was a coin that I ordered online but never received. I attempted to resolve the matter with the merchant but the merchant did not comply. I then timely filed my dispute with Synchrony bank. The bank has utterly failed to follow federal law regarding my dispute. On XXXX I called the bank and spoke to XXXX. She said the dispute was closed but would reopen it. On XXXX I called again and spoke to XXXX XXXX operator XXXX ) and was told the dispute was closed but would reopen it. On XXXX I finally received a letter stating the bank was reviewing my complaint. Note : Per Federal law the dispute should have been resolved by this date. I had disputed the charge on XX/XX/XXXX. On XXXX I received another letter from the bank stating a provisional credit of {$3400.00} was issued to my card. NO CREDIT WAS RECEIVED. On XXXX I called the bank and spoke to XXXX ( operator id XXXX ). I was promised a conditional credit. Again no credit has been received to this date. The bank has violated every Fair Credit Billing Act law in existence.

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 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A.
State: WA

Complaint narrative:
XXXXunknown phone call received XXXX # XXXX received XXXXunknown phone call received : I returned call which I found was XXXX : This was someone from PNC, stating they were attempting to contact my ex-son-in-law ( they only gave me his name, XXXX XXXX ). He said they were reviewing a resume and needed to talk to me ). I asked him to never call again and he stated I would be taken off the list ). 
XXXX XXXX received from XXXX XXXX from XXXX, Wa. I called back to the number XXXX and it was someone from PNC regarding my ex-son-in-law. I told them to not call again. 
XXXX Call from XXXX again. 
Called that number back. Same individual again and repeated that I didnt want to be called re : son-in-law from PNC. He began angry and said I was lying about my son-in-law and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am reaching out to you for a resolution to an issue with Capital One Auto Finance reporting my account information to XXXX and XXXX credit reporting agencies. Capital One Auto Finance has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a Capital One employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
In accordance with the Fair credit reporting ACT. The list of accounts on my credit report has violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2 : It also states a consumer reporting agency can not furnish an 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 then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows are has reasonable cause to believe that the information is in accurate.

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 2022-07-11 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NV

Complaint narrative:
Hi I am submitting thisXXXX 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 Bum. 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