vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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 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 XXXX i made this clear for XXXX 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 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 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 XXXXdays 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 2022-06-20 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 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 us 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 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 XXXXdays 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, There must be a misunderstanding! I submitted a complaint and it was recently closed with no changes and no comments to my report or updates sent to me related to the XXXX items I have listed below which is suppressing my FICO score and causing hardship. In accordance with the Fair Credit Reporting Act : the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. Transunion is reporting under public information related to U.S. Bankruptcy Court : This is a direct and clear violation of my rights and I will pursue damages should these items not be corrected/removed. After speaking with the department, they have informed me that they in no way report to any of the credit reporting agencies related to past or present files/cases. If this is accurate as it must be since it came directly from the Texas department, Where is Transunion getting this inaccurate information and able to so call " verify '' when there is nothin to verify. This has gone on long enough and I demand results and instead of the CFPB pushing the responsibility on to Transunion, I demand the CFPB to uphold their duty to protect consumers from predatory actions such as what I have placed in front of you now. Before this complaint is handled with neglect, I would again advise you that I am tired of the run around and do plan on taking action should this avenue not result in the desired result. 

Details of the items in question : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability XXXX {$0.00} Exempt Amount : {$0.00} Remarks Also : I do not live nor have I ever lived at the following address that is present on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX DO NOT JUST UPDATE MY ADDRESS ON THE FILE, REMOVE THE ADDRESS THAT HAS NEVER BELONGED TO ME AND UPDATE MY CURRENT ADDDRESS ) Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.

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 2022-06-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sent a wire transfer from my Wells Fargo account in the amount of {$4000.00}. The wire transfer showed as completed on XX/XX/XXXX, but the beneficiary did not receive it. I called the bank on XX/XX/XXXX and submitted a claim saying the wire was never received ( and asked for it to be returned to my account because I paid the beneficiary via other means ). I kept calling to get a status update and no one could tell me anything. I received a response on XX/XX/XXXX that the claim was denied because Wells Fargo did not get a response from the beneficiary bank. I called and was told that the Wells Fargo agent submitted the claim incorrectly and a new claim had to be submitted. They kept telling me it would be resolved in XXXX business days maximum. I keep calling for a status update and again no one could tell me anything. 

I kept being told that it could take some time and depends on the response from the beneficiary bank. I kept saying that the beneficiary bank never received the wire ( which I confirmed with the beneficiary bank several times ). Finally, XXXX of the XXXX I called on XX/XX/XXXX a Wells Fargo representative said he called a different wire department and found out the funds were being held by the Compliance department because of an OFAC hit and they needed information to clear it ( no one had reached out to me for information ). I gave the information and called to follow up later that day. The agent told me the compliance department had now cleared the wire. I told him I dont want it to go out because I already paid the money another way, I want the funds returned. He said that is not his department. I called the claims department and customer service to tell them about this and no one could do anything. They just said the claim is being investigated and they will probably update me when they hear from the beneficiary bank. I kept saying the bank never received it. The funds have been held by Wells Fargo compliance this whole time! 

There is apparently no way for anyone ( including agents in the claims department ) to contact the investigators by phone. I have requested repeatedly that they have the investigator call me and he has not. I believe I was told I would be called when there is an update. It seems they are just waiting to hear back from the beneficiary bank, but that bank never received the funds. I am at a loss of what to do.

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 2022-06-20 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 XXXX Account # XXXX, Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: Kikoff Inc.
State: AL

Complaint narrative:
You are reporting an account that was opened fraudulently by my biological father in the amount of {$12.00}. This account needs to be deleted from the record as it's not something I signed up for. I spoke with XXXX and they said it's something your company needs to remove on your end first because you keep responding that it is accurate. Please reach out to the police department on the police report attached below if you have any questions about this case. Please delete this account immediately and stop reporting it to XXXX. 

Account Name XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I was approved by PayPal for a PayPal credit account. I charged XXXX $ to the account on XX/XX/XXXX and wished to go and make a payment. PayPal is either unwilling or unable to confirm and/or accept the XXXX forms of payment I have tried to pay the balance with. They will not allow me to pay the balance with my debit card they have on file, and they will not confirm my checking account to allow me to pay with that. I have contacted my bank multipole times ant they have confirmed that there is no problem on their end, and that paypal has made no attempt to confirm or withdraw from my checking account. PayPal has put me into a customer service loop that goes nowhere and will not acknowledge that the issue is on their end. I just want to pay my bill, and they refuse to let me. 

PayPal Account : 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 2022-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
this following company is reporting inaccurate information on my reports. i have tried to resolve this and they continue to break the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
My family had a change in how our XXXX handled homeowners insurance. We secured our own coverage and notified XXXX XXXX XXXX XXXXXXXX of the change well before the change date. Over the last 90 days or so our Escrow has been debited to cover dwelling insurance post dated, our payments have been altered and we have received no assistance in trying to clean up the issue. Our family has submitted, on multiple occasions, all the requested documents that indicate we are, and always have had, the correct property insurance. 
I have tried to contact the servicing company multiple times and today was on hold for XXXX minutes before I hung up due to work starting. 
This servicing company has done XXXX to assist us, has sent us threatening letters and on the same day sent letters saying we are in compliance only to send a third letter saying please submit the same proof of coverage that was submitted only days before.

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 2022-06-20 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 XXXX  Account # XXXX, Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 I submitted a remittance payment through XXXX XXXX Mail to Capital One for {$330.00}. Per UCC XXXX, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers. All calls are recorded per Capital One Policy, pull the call, I never requested for my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Personal loan. Or installment account. Account close paid as agreed Personal loan XXXX XXXXXXXX XXXX. Updated XX/XX/XXXX XXXX close account PAID AS AGREED Updated XX/XX/XXXX. XXXX Updated XX/XX/XXXX Updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: PA

Complaint narrative:
Upon review, items on my credit report have been deleted from other consumer reporting agencies but coming up verified with Experian, this can not be possible. Please see attached documents.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States i have the right to privacy.

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

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 2022-06-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States i have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had 2 credit card with the suntrust bank which were sold to Truist bank. I had a law suit filed by Truist Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/2021 I received the phone call from XXXX XXXX XXXX. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that XXXX XXXX XXXX XXXX Rep is talking about the second card and I settled the debt for {$3000.00} with the XXXX XXXX XXXX XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/2021 and XX/XX/2021 ). Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). I called Truist Bank and they said that they never received the settlement from XXXX XXXX XXXX nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to XXXX XXXX XXXX settlement. I attached the letter from XXXX XXXX XXXX. I paid for the same settlement twice and it is a fraud on Truist Bank side.

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