vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: TX

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 2022-07-12 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: TX

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 2022-07-12 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TN

Complaint narrative:
I opened an account with American First FinanceXXXX XXXX XXXX XX/XX/XXXX. Account # XXXX. When reviewing my credit report it was brought to my attention that I had a charge-off and an amount of {$200.00} owed to American First so I logged in and paid the {$200.00} in its entirety ( confirmation # XXXX ). I contacted the company via chat to discuss with them me paying it off and the rep instructed me to contact XXXX XXXX  XXXX, a third party collection agency to which i did. There contact number is XXXX. They returned my call this morning to which I told them that I paid the account off on yesterday via the payportal for American First Finance and informed me that they did receive my account but did not accept the account so it was not in their system. I then contacted American First Finance again at XXXX on XX/XX/XXXX, and told the agent what the collection agency told me. The agent referred me to physically call XXXX XXXX customer service at XXXX to which I did. The young lady that I spoke with let me explain what the situation was. I explained to her that my credit reports were reflecting a {$200.00} balance so I paid it off on XX/XX/XXXX and contacted them to let them know, and they told me it was with XXXX XXXX  XXXX which they stated it was not. She placed me on hold and stated she would call me back on what may still be owed on my account when I told her that {$200.00} is what the credit bureaus showed and their last reporting date to the bureaus was XX/XX/XXXX. This is also the amount that was turned over to collections, when she stated that it was leasing fees that were the extra amount but if they thought it was turned over to collections why would it accrue leasing fees or interest? They had just been informed by me that the collection agency did not have my account. She told me it would have to be paid but would call me back. This company has been reporting {$200.00} as a balance on my credit every month with the last report on XX/XX/XXXX. I have paid the {$200.00} total and do not feel it is fair to throw extra fees on me after I have paid the account and that those fees should be adjusted off. I have attached the report from the credit bureau with the last reported date and amount, the receipt from American First Finance portal showing payment, and the payment that has been deducted from my bank account from American First Finance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 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 sent a request for proof of these charges XX/XX/XXXX because this is damaging my credit score and I did not have a XXXX XXXX Account during these dates. Also they both have the same date of last payment and were closed within 1 day of each other. They also indicate that I supposedly opened one Credit card in XX/XX/XXXX and then another with them on XX/XX/XXXX. the credit limits were {$400.00} and {$700.00}. There would be no reason for me to apply for another card with the same bank and only get {$300.00}. I would just request an increase. These are clearly duplicated. 
Please see items below XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXXt XXXX XXXX  XXXX {$680.00} I have asked them for all documents including the application and/contract. I have received nothing except a Transunion letter dated XX/XX/XXXX stating that the information was verified. How was it verified? They did update the historical data but have provided none of the requested information to 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 2022-07-12 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: FL

Complaint narrative:
Dear XXXX and Transunion, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the XXXX My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only XXXX XXXX agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you XXXX. You play dirty and I demand that you delete the late payments ASAP

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 2022-07-12 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:
I, XXXX XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: MI

Complaint narrative:
EXPERIAN has violated my federally protected rights under the FCRA which protects me from unfair and inaccurate credit reporting practice. You were to ensure the information reporting is in a manner thats fair and equitable to me and you failed to do so. I have sent multiple letters and complaints in hope of getting help rectifying the issue and Experian has been willful and negligent non compliance with Federal law. Attached is a Notice of Intent To A Lawsuit along with the instructions on how to rectify the situation. PLEASE BE ADVISED The Attachment is time Sensitive.

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 2022-07-12 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, these following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX ( # 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 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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
So, I went to a cardinalship and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been trying to access my online account with Comenity Bank for the past 3 weeks and I have no way to access my account. I've tried to log in every single day for the past 3 weeks and nothing!!!!!! I have tried to call the number on the back of my card it just tells me to call back later and disconnects my call. There is no option to speak to a live agent! when I do log in online it is telling me my account has been closed. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: FL

Complaint narrative:
Upon checking my credit profile while building it, I recognized a number of unrecognized inquires soft and hard. These unauthorized a few absolutely fraudulent are Impeding me from boosting my credit or even qualify for a bicycle.

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 2022-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX I purchased one tank of diesel from a XXXX XXXX station while traveling. It was {$100.00}. The next day when the payment posted, the balance on the Capital One card was $ XXXX ( I have a {$19000.00} limit ). XXXX XXXX XXXX station # XXXX ran my card over XXXX times. I called XXXX # XXXX and Capital One multiple times throughout XXXX. 

XXXX  Refunded {$100.00} on XX/XX/2022 ... and that is the extent of their action... 

Capital One was completely confused and we could not get in touch with anyone that ever knew what to do. Every answer we have received is, " Let me get in touch with ( insert random person or department ) and I will call you back today or tomorrow. '' We have never received a single call back from any Capital One employee. 

Every time we call it is the same experience of getting someone that has no clue what to do, or what happened to our account ... and being told this same statement that leaves us getting no where. 

By XX/XX/XXXX it appeared that most of the issues had been resolved... but XX/XX/XXXX the purchase adjustments by Capital One started again and after they were done crediting and debiting stuff back and forth ... they had put {$30000.00} of erroneous charges back on my card. 

A couple massive problems are leading me to stop using credit cards all together after this experience ... and the fact that these issues exist and are being brought to light should lead to the downfall of predatory companies like Capital One, and devastate peoples faith in the current electronic monetary system. 

# 1 You should not be able to have charges exceed your account limit... Period.

# 2 With a card being placed on hold, or locked down, or canceled you should not have transactions still going through ... Period. 

# 3 This wasn't talked about during this complaint but I'll throw it on this list. Predatory companies like XXXX XXXX that unknowingly sign people up for subscriptions only to have them canceled after the customer realizes it, should not get the NEW card number automatically and resume a canceled, fraudulent subscription. ( This XXXX happened while our card was locked down and over the limit as well. 

Moral of the story... You have no control of your money at all and neither do they... but that XXXX credit score you have worked hard for a long time to earn will tank overnight because their system is screwed up and ran by XXXX. Don't use Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
My ex-partner used me, my social security number and legal name to commit XXXX fraudXXXX XXXX through his business, and he opened 2 business credit card, maxed it out, without my consent or acknowledgement. He opened, used and maxed out two personal credit cards under my name and social. All of the above statements were for his own personal and financial gain for himself and business. This individual grifted me for two years, took advantage of me and battered my legal name and social ; leaving me in crippling IRS tax debt and overwhelming credit card debt. I was in a relationship with this individual for two years from XXXX to XXXX. The business name was under XXXX XXXX XXXX and XXXX XXXX XXXX. The steps I have taken are calling companies and reporting fraud/identity theft and disputing them through XXXX XXXX or XXXX Credit Bureau XXXX To which no further action as came about calling and reporting the fraud or through disputes with the bureaus. 

American Express XXXX at {$32000.00} American Express XXXX at {$1200.00} XXXX  XXXX Business at roughly {$3900.00} XXXX XXXX Personal at roughly {$1200.00} XXXX XXXX at roughly {$400000.00} or more.

Company response to consumer: Closed with explanation