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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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:
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 719tXXXX 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 XXXX 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 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 2022-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been actively trying to delete unauthorized accounts from my report. Equafax has violated my rights and did not properly investigate unauthorized accounts. They have prematurely closed their investigation allowing XXXX account resolution # XXXX which is a medical account where Ive not even been provided my visit or service information. I have never had any dealings with this company. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. My rights which equafax is helping them to violate. XX/XX/22 Equafax inaccurately varifed XXXX XXXX XXXX XXXX XXXXXXXX and # XXXX stating verbatim that this creditor reported accurate balances. For one XXXX XXXX XXXX is a debt collector and I dont have any accounts with them. They have 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. 

Equafax response was not acceptable nor did they provide any assistance with this issue. Stating that balances are correct doesnt mean they belong to me. There are medical accounts that I did not furnish. There are 2 credit card accounts that I did not furnish and to state that they confirmed with the creditors XXXX XXXX XXXX when they are not even a creditor is disappointing.

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 — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021, my credit was ran without my permission. I emailed XXXX XXXX in XXXX, NY about a XXXX  XXXX vehicle. I never said I wanted to submit a credit application and I clarified many times that I was looking to only put a deposit down. I already knew which bank I was going to finance through and expected this process to be done in person, at the dealership when the car arrived. XXXX, the salesperson I was emailing, also mentioned that in order to move forward with the DEPOSIT, he needed certain information which is why I provided it. That information was used for a credit application, which I wasn't trying to do. Please see my attachment for reference, I highlighted it many times where I mentioned a deposit. As a result, M & T Bank XXXX and XXXX  XXXXXXXX XXXX XXXX are on my XXXX and XXXX  XXXX ( bank ) is on my XXXX. I have reached out many times since XXXX. XXXX XXXX has not tried to help. This is very frustrating. XXXX XXXX, Assistant Sales Manager, responded " As soon as someone gives us a deposit and a credit app we submit the information to the banks to get an approval ''. The thing is I never submitted a credit app OR gave them approval!! They didn't even try to help me remove this. I want to make a formal complaint against XXXX XXXX for doing this.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent XXXX, XXXX, and EQUIFAX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX  AND XXXX XXXX  and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent XXXX, EXPERIAN, and XXXX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.

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 — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/XXXX a suspicious inquiry from BARCLAYS BANK DELAWARE XXXX XXXX XXXX, XXXX, DE XXXX was done with my social and personal information. I never used this bank before. When I called the customer representative and security department the company was asking for my personal information right away ( full social, address full name etc. ) Which I did not disclose entirely. Before explaining to them my concerns of fraudulent actions had occurred. They insisted on getting my full social to assist me any futher. After researching the company 's review, they are corroborate in fraudulent activities. I have reported this to the credit beru, and froze my credit accounts. I am concerned that this company does this often to incident victims.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
Received alert on credit report about collection from credit management about a bill from XXXX XXXX XXXX XXXX XXXX of the debt with a contract signed with by me with signature they only provide a address over the phone past due balance is {$730.00} but balance due is {$1300.00} an that could not be explained.Im requesting proof of this debt is mine with contract or something with my signature on it to validate the & also never had no contract on any with the credit collection company to have a passed due balance showing on my report asking is the information can't be provided the are to delete this off all my credit report immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Background : I am an American Express ( AMEX ) customer of over 20 years and have 5 personal cards with the company. I subscribe to their XXXX  service ( $ XXXXmonth ) which monitors and notifies me of changes to my credit report. In my 20+ years of service I have never missed a credit card payment or paid late. All my accounts with AMEX are enrolled in paperless billing ( i.e. I receive email notifications instead of paper letters ). 

Issue/Event : Failure to Send Customer of Adverse Action Notification In Connection with Credit Decisions XX/XX/2022 - I received an email notification from XXXX  informing me that American Express had reported a credit limit decrease to XXXX. This action negatively affected my credit score. 
XX/XX/2022 - I reviewed my email account and did not see any communications or notifications from AMEX regarding a credit limit decrease to this account. 
XX/XX/2022 - I called AMEX and their agent was unable to find any communications from them-to-me in their system related to the credit limit reduction. The agent said that the credit limit reduction should have generated a communication as someone reviewed and submitted the request on their end. I was never proactively notified by AMEX and only became aware of the Adverse Action due to the email from XXXX. 

Summary : American Express has taken adverse action against my account by reducing my credit limit. They did not inform me of this adverse action as required by law. I only became aware after it had been reported to the credit bureaus. Their actions have negatively affected/lowered my credit score. To restore my credit they want me to agree to a credit check which will further damage my credit score. 

I personally feel these actions are a form of targeted XXXX. I spoke to numerous representatives trying to understand what happened and why but they all admitted that this was an operational gap on their end. They may subject XXXX  or people of XXXX to sub-standard processes knowing that they will negatively impact their customers. AMEX and other credit card companies should not be given a pass when they fail to adhere to their operational processes that directly and negatively affect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
The card was opened under the wrong name. 

I had one charge on the card that was paid XX/XX/22 I have documentation from the company that my bank processed the payment on XX/XX/22. 

I closed the account on XX/XX/22 when I saw the money had left my bank account. I have documentation from the company that my account of {$0.00} was closed on XX/XX/22. 

On XX/XX/22, the company re-opened my account and charged me a late fee.

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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I first was made aware of the fraudulent account in XX/XX/XXXX when the debt collection agency, " Midland Credit Management, '' appeared on my credit report citing a credit card account that had been opened with XXXX ( that I never opened ) on XX/XX/XXXX and which went to collections in XX/XX/XXXX for an amount of {$4100.00}. To date, I have never received any correspondence from XXXX or Midland Credit Management by phone, mail, or email. I immediately called XXXX to inquire about this account and was told there was no history of an account ever opened with my social security number. They advised me to file a dispute with the 3 credit bureaus. However, there is no record of XXXX on my credit report. There IS only record of Midland Credit Management. I did file a dispute with the credit bureaus in XXXX of XXXX against Midland. I believe that Midland Credit Management has wrongfully associated me with someone else 's debt. I have recently hired a lawyer to help with this dispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and disabled my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, XXXX reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with XXXX to continue making payments to them past my original lease agreement.

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: NY

Complaint narrative:
I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and disabled my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, XXXX reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with XXXX to continue making payments to them past my original lease agreement.

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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called for my Home Depot Store credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped.

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: FL

Complaint narrative:
The account listed below contains several errors and missing information, according the the FCRA Section 15 USC 1681 and 624 ( a ) ( 1 ) ( A ). This account is still not reporting 100 % accurate and contains the following errors : 1. Account shows two consecutive months of being 30 days late. ( how is that possible ) 2. Account shows multiple charge offs and missing information. 
3. Shows account in bankruptcy, how can a charge off and a bankruptcy be on the same account? 
4. Shows a high balance of {$4100.00} with a credit limit of {$1100.00}. 
Now is not the time to update this account, it must be deleted from my credit report, as required under the FCRA. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Trans Union and XXXX are reporting an account with misleading information. After I reviewed my credit report online these three bureau have two accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureaus.Trans Union and XXXX is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

XXXX XXXX. Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief