vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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 XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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:
Congress has made it clear that Experian has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Experian does not have my permission nor does Experian have my consent. Experian has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Experian to furnish a report or create a report and have never consented to any report. Experian does not have the required documented file of my consent given to them or to any other company to report any information on me to Experian.

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 2022-08-11 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: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report does not relate to any transactions that I have made and are not related with my current accounts. It is FRAUD XXXX Report XX/XX/202XXXX US Bank {$480.00}, XX/XX/2022 US Bank XXXX Same bank reporting different amount XXXX XX/XX/2022 US Bank {$620.00} XX/XX/2022 US Bank {$480.00}

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 2022-08-11 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I believe I was a victim of age discrimination in applying for a credit card because I am XXXX. 
In early XX/XX/2022 I applied for a " XXXX XXXX '' account ( XXXX  ) ( XXXX ) for dental expenses. [ " XXXX XXXX '' is issued by " XXXX XXXX  '' ] This was in response to a promotional brochure displayed in my dentist 's office. One of the offers was, up to {$10000.00} interest free payable in 24 monthly installments of {$410.00} XXXX. The application procedure required me to contact ( XXXX ) on a cell phone, XXXX or similar device. In addition to the usual information requests, they required a photograph of both sides of my driver 's license and a 5 second video of my face while moving my head from left to right. I found this difficult to complete within the time allotted and my application was denied. Over the next few days, I made more applications until I thought that I succeeded ; however, I was rejected again due to " Prior application submitted to recently '' I made several more attempts including by telephone and on-line direct. The last rejection ( s ) were due to " Application has risk factors that cause us to be unsure of your identity. '' On XXXX XXXX, I contacted both XXXX XXXX  and " XXXX. XXXX XXXX  '' and their response ( s ) were " I will get thee reason ( s ) in the mail in 7 to 10 days '' I believe I was rejected due to my age which is 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 explanation
Consumer complaint received 2022-08-11 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I was notified by XXXX monitoring service that a major derogatory report was detected. It was filed by a collection service- Amsher collection servicesXXXX XXXXXXXX ( XXXX XXXX. I contacted them and was told there were 2 accounts that went to collection from XXXX and they were in my name.These were not mine and contested them. They opened a fraud case # XXXX and are sending instruction on what I need to do. I was told that the first collection case was for {$230.00} ( case # XXXX ) the second was for {$2600.00} ( case # XXXX ). Suspect apparently used my name and XXXX XXXX XXXX, XXXX, XXXX as an address. ( not my address and I don't have a XXXX phone either ). This collection service never tried to contact, just file negative report! I will be filing a police report and have placed fraud alert with the 3 credit bureaus.. 
















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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 2022-08-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
XX/XX/2022 at XXXX I received a text message that a {$2000.00} XXXX money transfer had been made and wanted to know if I had authorized this transfer, reply YES or NO. I checked the number, and it was the same as the Fraud Department of my bank, so I replied NO. A few minutes later I received a call from a man claiming to work for my bank. He asked some authentication questions and kept putting me on hold. I tried to call my bank, but was unable to get through to a person due to longer than average hold times. The man kept calling back. I never gave this man my user name or password. I was suspicious at this point, told him I had an appointment so I would have time to get in touch with someone at my bank. When I got through to my bank, they told me a wire transfer had gone through for the entire amount of my savings account ( over {$10000.00} ). I asked to start a dispute of the wire transfer. I was told an investigator would be in touch with me in 24-48 hours. I mailed a letter to my bank disputing the unauthorized wire transfer. It has been 11 business days. I have made calls to my bank every business day. I still havent spoken with an investigator and the Account Takeover Department has no idea when or even IF I will get my money 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 explanation
Consumer complaint received 2022-08-11 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: MN

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
AS I RESEARH THE SITUATIONS REGARDING OUR RESIDENTIAL PROPERTIES WHICH ARE INVOLVED IN MORTGAGE FRAUD, I AM NOTICING NOT ONLY WITH OUR SITUATION, XXXX OTHERS AS WELL WHENEVER THERE IS A DOCUMENT OF FORECLOSURE REGARDING JP CHASE MORTGAGE REGARDING PROPERTY FORECLOSURE THE DOCUMENTS ARE SENT TO XXXX AND A IND BY THE NAMEOF XXXX XXXX WHO IS NOT FOMERLY EDUCATED SIGNED OFF AS HE IS THE VP. AND THE NOTARY IS THE SAME INDIVIDUAL ON NMEROUS DOCUMENTS. THE NOTARY IS ALSO ON XXXX XXXX DISCUSSING HER FORECLOSURES. WE BEGIN TO QUESTION : 1. WHY DOES XXXX XXXX AND XXXX IN XXXX USE THIS LOCATION? 2. THE VP IS APPROXIMATELY XXXX YRS OF AGE AND AN AA MALE. DOES HE KNOW WAT HE'S SIGNING. 
4. IS XXXX XXXX PAYING HIM IN THE FORM OF KICKBACKS 5. ALSO WHY WOULD HE SIGN FOR XXXX XXXX XXXX IS HE WAS THE ORGINAL PURCHASER OF THE HOME WHICH IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE HOME WAS FORCLOSED ON BY JP CHASE AND HE REPURCHASED ILLEDGALLY VIA XXXX XXXX. THIS BASICALLY PROVED XXXX XXXX XXXX WHO STOLE OUR HOME AND THE TRUSTEE COMPLETED AN ILLEGAL SALE ND KNEW OF THE FRAUD, XXXX XXXX PAID THEM TO GET IT BACK. WE WERE TAKEN! 

THE HOME IS IN XXXX. THERE ARE INDIVIDUALS IN THE XXXX AREAR WITH THE SAME STATUS WHO COULD HAVE SIGNED OFF. NOTICE XXXX NOTARY HAS A LIFETIME PRIVILEDGE, SO THIS BASICALLY MEANS THE DATES ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 non-monetary relief
Consumer complaint received 2022-08-11 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
Consumer complaint received 2022-08-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation