vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 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 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

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 2022-02-10 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX 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 XXXX 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 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 .This 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 XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I need help in recouping my rent money from ChaseXXXX XXXX My landlord advise me that as of XX/XX/2021 I would be able to send him my rent money through XXXX. On XX/XX/2021 I sent my rent through Chase via XXXX {$1500.00}. On XXXX XXXX, XXXX I received a call from my landlord asking me where was my rent money. I told him I sent it via Chase/XXXX XXXX XX/XX/2021. He said he did not receive it. I confirmed his email address and realized I add an extra letter to his email & that is why he did not receive it. I contacted my bank immediately and they sent an claim dispute to XXXX. The correct email is XXXX and I accidentally sent it to XXXX - I added a " XXXX '' to the email address. I did my own research on email XXXX and no results came up. I even sent an email to this email address pleading to please send me back and money and no response. I have contacted Chase numerous of times and they said there is nothing they can do and that I have to take it up with XXXX. I contacted XXXX and they say since I did not submit this transaction through them directly I have to take up this matter with my bank Chase. I'm being tossed back and forth and no one seems to be able to help me retrieve my rent money of {$1500.00}. I even told them I did my own research and told them that this is not a valid email and where did my funds go. No one can not help me. This is a lot of money to just throw away accidently. Please can you help me. The case # that chase opened and closed is XXXX. They will not open another dispute to advise me where was these funds deposited too and to whom. I have attached the information of my research on the email address of XXXX and there is no activity on this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit for personal, family, and household purposes by CAPITAL ONE BANK ( USA ) , N.A. I was notified of this transgression of my rights specifically 12 CFR 1026- The Truth in Lending Act, by CAPITAL ONE BANK ( USA ), N.A. on XX/XX/2022, dated XX/XX/2022 via U.S. mail. According to 12 CFR 1026.2 ( a ) ( 3 ) definitions of The Truth in Lending Act, an application means : submission of a consumers financial information for the purposes of obtaining an extension of credit. A credit card ( 12 CFR 1026.2 ( a ) ( 15 ) ( i ) means any card ( social security card ), plate, or other single credit device that may be used from time to time to obtain credit. I used my social security card to extend credit to myself for personal, family, and household purposes. I as a natural person possessing an open-end credit plan, which was harmed by CAPITAL ONE BANK ( USA ) , N.A. adverse action taken against me and denying my rights. This is discrimination according to Regulation B Equal Credit Opportunity Act because, I the applicant, has in good faith exercised my right under the Consumer Credit Protection Act. My credit card was charged, which shows a transaction took place because the inquiry is on my consumer report. Meanwhile, CAPITAL ONE BANK ( USA ), N.A. received consideration and I got a denial adverse action letter. Pursuant to Equal Credit Opportunity Act, anyone who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant, which is me, for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages. CAPITAL ONE BANK ( USA ), N.A. is now civilly liable to pay me for the damages when Ive showed good faith as a consumer and was denied my right of credit for personal, family, and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Lady named XXXX from XXXX XXXX keeps calling stating I am being served for balance on a CC from Wells Fargo. She and her company have been calling various family members. The numbers are XXXX and XXXX. I have told them that this is inaccurate as I have already settled this balance back in 2016. I have never received anything in mail just calls. She keeps saying that they are mediators and that the case has been released and that I will be served.

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 2022-02-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called upon an attorney years ago past to correct false reporting on my credit report from Experian. As a result I was dropped into Experian 's punishment group called " Special Handling ''. In order to dispute or get a copy of my credit report I have to spend days on and off the for many many hours to get a report or dispute. Depending on the mood of the Experian rep that day, I may get help or not get help. I was assigned a Special Handling rep named XXXX XXXX XXXX in Texas. This guy apparently has some bias toward as he ignores most my dispute complaints and treats me like a parent scolding a youngster. He is not fair or professional in his dealings with me. I have tried to get another person assigned... but I give up as Experian ignores my repeated request. The whole point I that I'm being punished and made to suffer for standing up for my rights and I shouldn't be. If any counsel out there reads the public disclosure of this and would like to make contact with me, please do so. Otherwise, Im in the hopes that CFPB can help beforehand.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I spoke with XXXX XXXX and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during XXXX requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than XXXX account that is inaccurate. I still haven't had any help with information removed or no longer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I spoke with XXXXXXXX XXXX  and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during 2021 requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I recently took a job from XXXX  as a XXXX XXXX. I was to transfer money from verified company account. The dust transfer locked my Bank of America account. I called Bank of America to see why this happened. I asked them if anything looked suspicious. After over four hours on the phone with them they told me they don't know and went ahead and re-opened my online transfer account. This happened a total of four times, with two transfers going through. The company I took the job from turned out to be fraud. Now my account is negative by multiple thousands of dollars. And Bank of America is holding me full responsible and withholding my student loans. Even though I spent a minimum of sixteen hours on the phone trying to figure out if anything looked suspicious and why my account kept locking up. I kept them included since day one. And they have been absolutely horrible since this happened.i have filed claims and done all the necessary steps.

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 2022-02-10 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:
I am submitting this complaint because I am very unhappy and XXXX and XXXX. My XXXX and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the XXXX and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the XXXX is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is XXXX days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican

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 2022-02-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  FINAN-6XXXX-Balance {$6500.00} XXXX XXXX XXXX XXXX XXXX-Balance {$540.00} XXXX XXXXXXXX XXXX-Balance {$540.00} XXXX XXXX XXXX-Balance {$870.00} XXXXBalance {$0.00}

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 2022-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MS

Complaint narrative:
XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


FSNB, NA has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-10 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: MS

Complaint narrative:
XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXXXXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-10 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$6500.00} XXXX  XXXX XXXX  XXXX {$540.00} XXXX {$0.00} XXXX XXXXXXXX {$540.00} XXXX  XXXX {$870.00}

Company response to consumer: Closed with explanation