vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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 XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 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 XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NM

Complaint narrative:
XXXX XXXX Not my account or charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed out of {$2600.00} and an additional {$790.00} on XX/XX/2021 by going on a fake ( XXXX ) website where I gave them permission to go into my phone with an app called ( XXXX XXXX ). 
Once they had access they saw what was in my account and credit card information. 
From there I was tricked into sending them the above amounts. The {$2600.00} was transferred from my bank america credit card to my checking account and the {$790.00} was my own money through XXXX. Once I realized what had happened I immediately called bank within 10 minutes to stop payment and was told they would try? I was instructed to file a police report which I did and was ultimately denied a refund by Bank of America.

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 2022-07-22 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: MI

Complaint narrative:
Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

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 2022-07-22 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:
Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
The collection charge happen in XXXX. ( details below ) What I need help with : In XXXX I sent out a goodwill letter. The collection was removed. 
I was expected into a housing program. 
The collection agency put the XXXX back on just using a more recent date. 
Ive been rejected for housing over and over. Because of this It drops my credit score .Im losing out on housing. Please help I have until XX/XX/XXXX. To find a place. 


What happed In XXXX My daughters and I were new to Cell phones. They were watching movies. ( We didnt even have cable ) I called XXXX I was set up on a payment plan. I was living on SSI/child support. 
I thought I was making the monthly payments. Before I knew it all our phone were shut off. I was charged an early termination on 3 phones.I didnt understand what happened. 
I asked for a copy of my bills. 
We were in the process of moving at the time.Our new apartment fell through. I was living out of my car for 3 months. It was a year later XXXX had sent it collection no one could help me.XXXX I figured out what happen. I was making monthly payments not bi weekly payments. With all the payments my bill is paid off. The rest is all cancellations fees. 3 phone were canceled. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Someone tried to open a Direct deposit account online with Wells Fargo Bank on XX/XX/2022 it got stopped and listed as Fraud!

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX Transfered {$40000.00} and {$190000.00} from American Express Personal Savings account to XXXX XXXX Savings Account XX/XX/XXXX, XXXX Initated transfer of {$3000.00} from my XXXX XXXX XXXX XXXX account to XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XXXX my account and online access without notifying me or providing any reason ; I can not access my funds or my account at this time XX/XX/2022 at XXXX Called XXXX XXXX Customer Service; agent claimed she could not assist me and provided no explanation as to why my account had been XXXX or why I can not access my funds ; she stated I have to wait for another another department at Bask Bank to call me to further explain. 

I have never had an account " XXXX '' nor have I been denied accesst to my funds from any other institution. 

XXXX XXXX needs to release my funds in the form of a cashier 's check mailed to my listed mailing address or provide my other institutions with a letter of identity to return my deposits to my original accounts ; XXXXXXXXXXXX XXXX appears to be fradulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 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 XXXX 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 XXXX  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 non-monetary relief
Consumer complaint received 2022-07-22 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent a {$570.00} credit to my Chase credit card ending in XXXX. Chase never credited my account for the amount. I contacted both XXXX XXXX and Chase about the missing credit. XXXX XXXX confirmed that they had sent my account the credit and provided me with documentation of the transaction that I then forwarded to Chase by both fax and U.S. Mail as instructed. Chase sent me a letter on XX/XX/XXXX telling me that my request was closed. I have called Chase many times and asked why they will not credit the account for the {$570.00}. They say that they never received the money from XXXX XXXX. I can only assume that XXXX XXXX would not produce false documentation and did send the credit to my account. I am stuck in the middle here without recourse except to file this complaint. I will attach the documentation of the transaction as that is my only proof. I hope you can help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX  Bankruptcy, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: FL

Complaint narrative:
I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

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 2022-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I submitted a student loan application to Sallie May and denied me twice. I asked for a supervisor 3 weeks ago and never called. I wanted to escalate this situation to the appropriate department to show that I really need this loan to my only opportunity that I will from an education. Salie May wants a co-signer and I don't have anyone. My classes start this Monday.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2022 I initiated a credit card application through Penfed Credit Union for their Pathfinder Rewards Visa Signature Card. However, I decided that the card was not a right one for me and sent a request to stop the application process. I never received a reply and I got the credit card. When the card arrived in the mail, I contacted the bank again to close the account and get the {$95.00} annual fee reversed. I never activated nor used the card. The representative confirmed that the account was closed and fee reversed. Today, I received notification that my credit has been adversely affected due to non-payment of the fee that should have been reversed. I reached out to the bank multiple times between XXXX and now to get resolution but never heard back.

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 2022-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
XXXX XXXX spoke with representative that say my car wont get repo XXXX XXXX was wrongfully repo XXXX XXXXreinstated my car XX/XX/XXXX, XXXX sold my car paid off auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had a claim with Wells Fargo for {$10000.00} of unauthorized transactions and I was denied for no reason when their bank had online issues during the time of the transaction to where I could not see my balance to even know this was happening. I am out of XXXX and am a college student that has no help but me in California. This is absurd and Im not the only one who lost money during this week when Wells Fargo website and call center was down.

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