vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Starting XX/XX/XXXX and XXXX we contacted Current after discovering our account had been suspended. It was suspended because the company that holds our car loan, XXXX, last month tried to withdraw the usual monthly payment. Only problem is they tried to withdraw it and put it back several times causing Current to mark it as fraud. We recieved texts and emails from XXXX saying it was paid but it wasn't. We're assuming they wanted to collect late fees. But anyway, the account at Current was marked as fraud and as soon as we discovered it we asked them to please deposit it in a separate account on XX/XX/XXXX. We had continuing conversations with Current on the XXXX, XXXX, and again on the XXXX asking them to please either reinstate the account or reject it so that it can be deposited in our other account which they were given the appropriate information for multiple times. We were told it could not be appealed. Bill 's started being due on the XXXX of XXXX. That is also usually the latest my husbsnd gets paid. It is now the fourth and they have still not taken any action to ameliorate the situation despite further contact in the form of emails and, finally being able to speak to actual humans, phonecalls every day from the first through today. The entire reason my husband signed up for this account was he would get paid a few days earlier which worked out for us bill wise. Usually around the XXXX. So it has now been over a month since my XXXX veteran husband has gotten paid. I care for him and our XXXX small children. I'm trying to find work I can do from home in my spare time. Please help us. Current says this is all because the account was over drafted last month, to which my husband said then take out however much you need to cover the overdraft and send the rest to the other account, I don't care. They said yesterday that they may have to send us a paper check which may take an additional 21 DAYS for us to receive! That will literally XXXX us. Our kids will starve, we'll lose our home, we can not wait that long when we're barely existing as is!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) Credit giant XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact.

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 
XXXX ( XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of XXXX 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While XXXX did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said XXXX told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX may be have been incorrect. 
XXXX wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they may have if they were issued loans at a higher rate or denied a loan outright because of the snafu.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XX/XX/2022. I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. XXXX needs to be held accountable even if that means paying individuals affected, especially myself.

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 2022-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  ( XXXX XXXX ) Credit giant XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 
XXXX ( XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of XXXX 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While XXXX did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said XXXX told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX may be have been incorrect. 
XXXX wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they may have if they were issued loans at a higher rate or denied a loan outright because of the snafu.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XX/XX/2022. I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. XXXX needs to be held accountable even if that means paying individuals affected, especially myself.

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 2022-08-04 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 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 explanation
Consumer complaint received 2022-08-04 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: 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 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 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report. LVNV Funding LLC continues to violate my rights as a consumer according to the Fair Debt Collection Practices Act. Also, this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) 15 USC 1692b ( 4 ) 15 USC 1692c ( A ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692 ( c ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692 d I have attached my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is an unrecognized inquiry from XXXX XXXX on my Equifax report. I recently obtained a new job, but any credit inquiry tied to a background check would have been a soft pull, not a formal credit inquiry, so Equifax must have made an error and processed incorrectly if they gave a full report to any agency. I have not applied for any new credit or loan for at least 6 months. I have disputed this inquiry twice with Equifax but they will not provide any information or remove it, just stating that it's a " factual record of file access. '' Maybe so, but only because Equifax XXXX  up and allowed unauthorized file access!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MI

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mortgage was originally with CountryWide and when they went into bankrucpty,, Bank of America took over. They sent me a mortgage payment statement to start paying a mortgage. I went to another bank in XXXX to refinance to a lower rate, because my payments were too high and found out that I could no refine, due to a lien on the property. I went to Boa, met with a mtg VP and he said he was one of the persons who wrote up the new mortgages and I asked how they arrived at a high mtg like that. He told me I needed to file a claim. He said he was calling the claims dept, to no avail. He gave me the phone # for claims and when I called, no one answered and I lost my application fee with the bank I was refinancing with, because boa would not communicate with them. Because of Covid, I was unable to get help. I went to the XXXX XXXX Fl recording dept and they told me I would need to have legal interaction, because it had to go through the court. I contacted the Bar and they referred an attorney who I had to pay to get it done, so that I could refinance. I lost all of that money from XXXX until XXXX, when I could not refinance due to their negligence with getting the previous Countrywide title cleared.

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 2022-08-04 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: TX

Complaint narrative:
EQUIFAX is in violation of violating consent and my privacy in distributing unauthorized and incorrect information on my behalf. They have been unfair, partial and irresponsible with my personal information that was not authorized by me. 
In fact, after reading recent congressional findings EQUIFAX has demonstrated that they are in fact representing themselves as a financial institution by association. In turn they have been irresponsible with my personal information and it was redistributed with out my consent and involved XXXX a breach. 
I demand that they cease and desist any further unauthorized distribution of my personal information. It continues to damage my ability to conduct my personal and financial business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report TransUnion and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-04 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: DISCOVER BANK
State: FL

Complaint narrative:
While checking my credit report, I notice an account from DISCOVER FINANCIAL SERVICE, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that DISCOVER FINANCIAL SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: SC

Complaint narrative:
on XX/XX/2022 i paid off my XXXXXXXX XXXX  & credit score went up XXXX XXXX, Then on XX/XX/2022 i paid off my XXXXXXXX XXXX XXXX card {$4400.00} & my credit score went down XXXX XXXX, This credit reporting agency is equifax. i was turned down for a credit increase because of it.equifax is a rotten crooked organization, they make money when your score is bad, I plan to sue

Company response to consumer: Closed with explanation