vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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 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 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 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 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 2022-08-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have an account with Barclays Bank Delaware for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, Barclays offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have XXXX late payment in my history from XX/XX/2021. As you can see from my history with Barclays that is the XXXX and only reported late payment which was no fault of my own. I contacted Barclays several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.

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 2022-08-22 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Without my consent Credit Acceptance sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.

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 2022-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Without my consent XXXX XXXX sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.

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 2022-08-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-08-22 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 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 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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
We received a letter in XXXX of XXXX stating that Suntrust Bank was closing all of our accounts - checking, savings, and credit card. 

We had about XXXX weeks to move our money to another bank, and lost access to the online banking. 

Our credit cards were shut off, and did not work. We made sure that the credit card had been fully paid off as well. We had no access to verify anything, and the credit card has been reporting as " closed '' with a {$0.00} balance since XXXX  on our credit reports. 

Since Truist bank took over, they are reporting we have over an {$8000.00} balance on the credit card, and collectors continue to call. How is this possible when our cards were shut off, we had no access, and all of our accounts ( including credit cards ) were closed? We can even see on our checking statements where we paid off the credit card XXXX final time. 

Why was this shown as closed and paid off for {$0.00} for YEARS, and now that Truist has been 'created ', this has popped up? 

XXXX has a horrendous phone call system - often with 2+ hour waits, and it is impossible to get in touch with anyone there.

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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I haven't received my replacement money order from moneygram since XX/XX/1922 it's been 3 months my number is XXXX serial number XXXX amount XXXX date XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
This refers to Case Number : XXXX with Equifax. I STILL CAN NOT ACCESS MY EQUIFAX ACCOUNT ONLINE OR TO GET MY CREDIT REPORT AND XXXX SCORE. I received a closed notice on this dispute but it STILL HAS NOT BEEN FIXED. On XX/XX/2022, I received an email from Equifax ( Dispute Confirmation Number : XXXX ) that the dispute was resolved. I then went online and it still is not resolved. I get this message : Please give us a call and give this code to the Agent : XXXX -- Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. We are temporarily unable to provide your credit score. Please try again later. 

So, I call the number and a new case is opened because no one knows why I am not getting my report or score. They said they will escalate this but they never do. This happened the last time with NO RESOLUTION. The new dispute confirmation number is XXXX. 

Please, CFPB, you dropped the ball on this one and nothing has been done. I thought your function was to protect us ( the consumer ) against this type of illegal activity by Equifax. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due

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 2022-08-22 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: LA

Complaint narrative:
I dont have access to my credit score, security freezze and disputing thing online with experian since XX/XX/2022 I keep calling them but they never tell me what is going on and they say that they are going to fix it but never fix it

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 2022-08-22 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 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 2022-08-22 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 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 2022-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Specified Credit Association, Inc.
State: TN

Complaint narrative:
CONTACTED SPECIFIED CREDIT XXXX ABOUT A DEBT THAT IS NOT MINES AND THAT I HAVE SPOKEN WITH THE GYM ABOUT WHO IS SUPPOSE TO FIX IT WHEN TELLING THEM THIS ISN'T MY DEBT WHICH I HAD TILL XX/XX/XXXX TO DO THE REPRESENTATIVE BECAME VERY UNHELPFUL PUT XXXX WHO IS THE ONLY SUPERVISOR ACCORDING TO THEM OTP WHO USED NOT GOOD LANGUAGE TOLD ME SHE WOULD VALIDATE THE DEBT WHICH IT IS NOT MY DEBT AND IS INCORRECT SHE TOLD ME TO NOT CALL THEM BACK EVER AND THAT THEY WOULD BE VERIFY THE DEBT. THERE CALLS SHOULD BE RECORDED TO VERIFY WHAT I AM SAYING ACTUALLY HAPPENED AND NOW I AM TRYING TO CALL BACK THEY WONT ANSWER OR PLACE ME ON HOLD BECAUSE SHE IS THE SUPERVISOR ON DUTY UNTIL XXXX COMES BACK WHO I AM TRYING TO ALSO REACH OUT TOO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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 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 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 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have this Paypal Mastercard since XX/XX/XXXX, the mailed agreement says there is NO FOREIGN TRANSACTION FEE. 
In XX/XX/XXXX I have booked flight tickets and hotel abroad and the FEES were charged as 3 % over my purchases. I have called Paypal Mastercard on XX/XX/XXXX, they said they changed the agreement rules and I should be aware the foreign fee were 3 % now. 
I have NEVER received the new agreement, so I want the fees waived from my statement, here is breakdown ; FOREIGN TRANSACTION FEE {$58.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$49.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$36.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$29.00} XX/XX/XXXX Total Charged over Foreign Transaction Fees : XXXX USD

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