vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's.

When attempting to access experian a page popped up that stated to send documention to them. I followed the instructions and mailed certified onXX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I received the Way2Go Card in the mail to access my UI benefits. The brochure states that customer service is available 24/7 and it lists services available to me. One of those services is 'Fund Transfer ' ; However, when I call the toll number provided, it does not give that option. I have pressed every option to find any information on fund transfers, only to come up empty handed. I logged into the Way2Go Program website, but this website is poorly constructed and I did not find any answers nor any help with my question. I searched online for more information on how to handle this, only to find many others who are also having this problem with being unable to transfer funds to their bank accounts, and not being able to speak with a customer service rep ( because there is no option to speak with a rep ). Apparently, this was an option at one time, but they have since removed this option. I would withdraw the money from an ATM, but according to other people who have tried this, they were met with many challenges and fees. The brochure states that the ATM withdrawal limit is {$500.00}, but reading the comments suggests that this is not the case, it is only {$300.00}. I feel the Way2Go Program has given me false information in their mailer and their website, and they are trying to force me to use this card instead of my personal banking institution that I have a rapport with. I need answers and for the Way2Go Program to respond and provide the option to transfer funds to our personal banking institution like they promised via the brochure. The fact that a company who has been selected to handle millions of American 's money refuses to have a customer service line is beyond me. Further more, it seems to be a scam by them forcing people to use this card and tacking on all these additional fees unnecessarily. At a time when the world has so many uncertainties and so many hard working people are doing their best to stay afloat, it is disheartening that the Way2Go Program is trying to capitalize on tax dollars and scam honest people out of their benefits they are using to pay their rent, feed their families, etc. This is certainly not the way to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CA

Complaint narrative:
I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2020-06-15 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: NV

Complaint narrative:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I realized recently a fraudulent & sizable ( {$1800.00} ) check was cashed / deposited out of my personal checking account. The check was dated XX/XX/2019 and was completely fake, with a fake signature. I attempted to request my banking institution to look into it and also reimburse my account. They are not willing to do this due to the timing of when it happened being past their grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CA

Complaint narrative:
I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, XXXX  and Equifax still refuse to update the information. XXXX, XXXX  and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # ( XXXX ) but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX  and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX  Experian, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Since the beginning of XXXX, Comenity Bank ( for XXXX XXXX XXXX ) has been reporting my " available credit '' as being only {$350.00} even though I have a XXXX balance on my account with NO PENDING orders or BACK-ORDERS. I have repeatedly called Comenity and XXXX to get this matter resolved and they keep passing the buck back and forth and they refuse to get this simple clerical/math problem resolved. 

When creditors check my credit and they are reporting that I have only {$350.00} available credit on my {$900.00} credit limit, they view me as being " credit irresponsible '' for having such an " outstanding balance '' on my account. It's simply not right, and the claim there is nothing they can do to correct it. Several times Comenity reset my available credit, but the next day -- it goes back to the measly {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: GA

Complaint narrative:
I have sent all documents ie police reports identity theft report to Experian on 4 occasions regarding a chapter XXXX filed showing only on experian, it was filed fraudulent and shows dismissed in a one month. I have spoken to the courts that advised me that they didnt verify this information but that it was taken off a website ( pblic records ) they told me they do not report this information and also shows i have complained almost a whole year about getting this off my credit with my social. experian first told me they received information from lexis nexis in which i reported to them and they immediately advised that this chapter XXXX is not on the report and that experian should not be reporting it, I contacted experian for the 100th time and then they said they received it from XXXX bankruptcy which they also stated was false, they do not report or had spoken to anyone to confirm accuracy. can you all please get this removed from my experian report its causing difficulties in my personal living arrangements for my children and I.It was filed and never processed due to no payment. I have been dealing with this for over 10 years with my credit and this is stressful and causing problems

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After the XXXX  fiasco back in XXXX, I froze all of my credit reporting agencies. I paid to have them each frozen at that time. Evidently TransUnion released my credit report to an agency, XXXX on on XX/XX/XXXX without my written permission. How XXXX was able to attain my full credit report is quite disburbing to me, especially when I have my Credit Reports FROZEN so that no one has access by any means. 

I called TransUnion on Monday, XX/XX/XXXX at XXXX XXXX. and was told the agent, XXXX from SC that they have an internal policy that we the public are not aware of which states, " According to Federal Laws, there are situations and organizations that are exempt from the credit freeze. Examples include any person using the information for employment, tenant, or background screening purposes. '' This is against the law and an injustice to me while trying to protect my identity and my personal private information ( PII ). It is absurd that anyone can gain access to one 's credit report when it is frozen especially without a person 's permission to attain it. Isn't this " An infringement of my Rights ''? I exercised my right to place a freeze on my credit reports so that no one can get access to it. This is my right under the US Constitution 2nd Amendment that prevents the the federal government from infringing the right and other agencies on me. 

I want to live knowing that no one has a right to my personal private information when I took the liberty to freeze it. 

PLEASE get this fixed ASAP so that this does not happen to me again or anyone else. 

By the way, as an aside, I presented XXXX with the data they needed from the XXXX XXXX XXXX XXXXk and my Bank gave them my credit rating with my permission, NOT a full credit report. 

Respectfully, 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 2020-06-15 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: MS

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX  XXXX XXXX I 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied

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 2020-06-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
Transunion and XXXX  are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.

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 2020-06-15 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: MS

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : 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 explanation