vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 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: NY

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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-09-05 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: Credit Karma, LLC
State: TN

Complaint narrative:
They keep sending me pre approved credit lines that I get denied for upon applying. Also the credit score shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Around XX/XX/XXXX, I filed a complaint with CFPB in reference to negative reporting and inability to resolute negative credit reporting after compliant CACI, deleted negative reporting from credit report. Now XX/XX/XXXX, CACI have reflagged my credit report for same COVID medical bill with different amount from {$1600.00} to {$2400.00}, for same account number with no explanation or letter in reference to past due, last communication received was clearing me from medical debt balance to {$0.00}. In XXXX and XXXX, during the XXXX, I was diagnosed with XXXX  XXXX XXXX  with once experiencing severe symptoms where I was in emergency room for hours approximately XXXX hours to temporarily gain control by medical professionals before discharging. However, I was advised that my medical bills were covered under Cares Act due to qualification from my positive XXXX cases. I submitted a disputed on this medical bill which were flag on my credit report by CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX. I disputed on behalf of Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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 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 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/2022, I received an automated alert from one of my credit monitoring services ( XXXX ) indicating that a credit inquiry had been requested and was subsequently blocked by my credit monitoring service. At the same time, XXXX reported a " soft inquiry '' through an XXXX data breach monitoring service. When I inquired with XXXX they indicated that it was an inquiry made by Bank of America. Coincidently, about 1 week later I received a " XXXX XXXX XXXX '' credit card from Bank of America in the mail. I called Bank of America to report that this was a fraudulent account, opened in my name, without my consent. They immediately reported the event as a fraudulent claim and closed the account. 

I reported this all back to XXXX, as part of the XXXX data breach reporting service I have established. They recommended reporting via the Federal Trade Commission, which sent me to this site to make this report. 

Let me know if you require further information.

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 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Unfortunately US bank states they are not opening accounts in my area. 

However they direct marketed me with a {$500.00} bonus. 

I provided a lot of personal information. 
My credit is very good. 

Incredulously they are still marketing in my area to this day.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I contacted XXXX XXXX  regarding a XXXX XXXX  that I paid off in XXXX XXXX XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a 30 and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from Transunion and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with transunion. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on Transunion. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from transunion that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from transunion stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from Transunion leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

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 2022-09-05 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:
report filed with XXXX  case number XXXX ... 
In accordance with the Fair Credit Reporting act. Experian and XXXX  XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. Experian and XXXX  XXXX XXXX continue to violate my rights.

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 2022-09-05 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:
I have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus to get these items rectified but the haven not yet responded or investigated into these issues. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair Credit Reporting act XXXX 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 non-monetary relief
Consumer complaint received 2022-09-05 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 XXXXXXXX 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 explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
It is my habit everyday to check my balance on my credit card since I got it and I pay it. I do not like to have any pending balance to pay. The XXXX day of XXXX, I notice an unauthorized charge with the following description : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX CO Digital Account Number XXXX {$1100.00} I called immediately my credit card company ( Citi Credit Card ). They told me the charge to wait until this charge is processed to take action, but I needed to call them the next day. I called the next day, and they canceled the credit card current card at that time, and they told me I needed to wait for the new one ; and regarding the fraudulent charge they told me I did not need to worry about it, that tell will refund me that money and this will happen in a couple of days or so. I wait, but it didn't happen, and I noticed they did not send me any email regarding my claim and I did not notice absolutely any change on my account ( and when I clicked on " dispute center '' it says : " You Dont Have Any Disputes to Display ''. I called again, but they told me they were working on it, but they do not have a satisfactory answer for my questions regarding the Dispute Center and why they did not refunded me. I called after that several times but they just told me words and promises and the charge is still there. They want I pay this fraudulent charge and I continue with them as if nothing has happened, but of course, this is a fraud! How in the world do I need to pay a charge I did not make? Do I am obligated to finance the work of criminals? Thank you in advance for your 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 monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
RE : Honda Financial Services and American Honda Finance Corporation and XXXX. 

I understand that XXXX has some problems recently where they were incorrectly reporting a significant number of peoples XXXX accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by Honda Financial Services and American Honda Finance Corporation. My credit score with XXXX, at the time I applied for the loan was over 700. As the declination letter from American Honda describes my XXXX XXXX score of XXXX was the reason for declination. The difference between the score reported by XXXX and American Honda is a significant difference. XXXX also sent me a notice that they changed the recipe to develop my XXXX score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that XXXX reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to American Honda. This outlines my primary issue with American Honda and XXXX. American Honda Finance has not responded to my letter. 

Additionally, I also believe that American Honda has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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 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 response to consumer: Closed with explanation