vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I left some information in a house I moved out of and after that I was a victim of Identity Theft. The accounts listed below are a direct result of the Identity Theft. I have disputed this with all three credit bureaus several times and included a copy of the ID theft report and police report number and the items still have not been removed. 

XXXX XXXX XXXX Account XXXX Bankruptcy Chapter XXXX XXXX Affirm Inc.- Account XXXX Affirm Inc-Account XXXX Affirm XXXX Account XXXX Affirm Inc.-Account XXXX Affirm XXXX XXXX Affirm XXXX Account XXXX XXXX XXXXXXXX XXXX-Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-26 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 XXXX 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 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 2022-10-26 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed 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 2022-10-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX XXXX XXXX of the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-10-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 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 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 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 XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried multiple ( 4-5 times ) time to pay my credit card balance online at www.capitalone.com before due date, Due to their inability to get payment from XXXX XXXX, They charged me late fee plus interest and They cancelled my credit card account and reported to my credit history bureau XXXX I inquired at bank to get the answer of not clearing the credit card payment even there is more then sufficient balance in account. 
There was not satisfactory reply from bank staff ( XXXX XXXX  ) Credit card payment processed every time I signed for auto pay / one time payment successfully when I paid online then after 2 days I got the notification of non payment of balance. 

XX/XX/2022 PAST DUE FEE {$39.00} XX/XX/XXXX XX/XX/XXXX PAST DUE FEE {$39.00} Total Fees for This Period {$39.00} Spark Cash Select credit card | Capital One account ending in XXXX XXXX XXXX, XXXX  - XX/XX/2022 | 31 days in Billing Cycle Page 3 of 3 Transactions ( Continued ) Interest Charged Interest Charge on Purchases {$75.00} Interest Charge on Cash Advances {$0.00} Interest Charge on Other Balances {$0.00} Total Interest for This Period {$75.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Deletion letter ATTN : Notice to Principal is Notice to Agent, Notice to Agent is Notice Principal I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : .List Name of the accounts with late payments along with their account numbers. ). 
.Account numberXXXX Open/closedOpen Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX. 

. 
Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( j ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any.

( ; ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TX

Complaint narrative:
I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help 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 non-monetary relief
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a wire transfer on XX/XX/2022 for {$20000.00}. I received an email confirmation from the bank that the wire was sent. The recipient never received it. Subsequently the bank told me it was held for compliance review. It has now been over 4 months and I can not get any meaningful response from Citibank. They tell me there is no person I can speak to and that they are under no time obligation to complete a compliance review.

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit card with XXXX XXXX XXXX XXXX has been closed by Equifax which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MI

Complaint narrative:
THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation