vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 im XXXX now.

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 2022-03-29 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: NJ

Complaint narrative:
On XXXX, XXXX I sent a letter to Transunion requesting an investigation into the derogatory items on my personal credit report. On XX/XX/XXXX I received a letter from Transunion dated XX/XX/2022 stating they did not believe the letter was from me and came from a third party!! They are not investigating. How dare they assume that I am unable to look up this information to assist me in writing a proper letter! Also if I was working with someone else for assistance how is that their business?? This is ridiculous and insulting.

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 2022-03-29 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: Time Investment Corporation
State: NC

Complaint narrative:
On XX/XX/22 I submitted a formal complaint against Time Financing Services regarding their violation of the Fair Credit Reporting and the Fair Debt Collection Practices act. 

I also requested validation of the debt they are reporting on my credit report. To this day, they have failed to provide validation of the debt. They have also failed to provide me with any steps taken to validate the debt. And have also failed to provide any proof that I have a contractual obligation to pay them. 

In their response to my original complaint they stated they do not have any record of me in their files. They also stated that they sent me a form to fill out to verify my identity. 

It is NOT MY JOB to do that. The burden of proof is on them. They have repeatedly failed to validate the debt, they have also failed to mark my credit report with dispute comments within 31 days of receiving my complaint. 

They are in violation of my consumer rights, they are also violating state law with their error in reporting. 

To add insult to injury, they didnt even bother to get my name right in their response. Shame on them!! 

Im also filing a complaint with the NC Attorneys General office regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
WellsFargo/XXXX  XXXX XXXX XXXX I was 30 days past due on one payment. This is not true. A check was sent directly to them from my XXXX XXXX. It was received on time to not be past due. XXXX did not post it timely

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 2022-03-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/XXXX  XXXX XXXX ( Bank ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.

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 2022-03-29 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: NV

Complaint narrative:
I have sent in numerous times the official document to prove my residency! I have not resided at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. There is 8 accounts on my experian that is attached to that address. Official proof of residency documents can be : Current official document with your name and address This information can come from a number of documents, but is necessary to proving where you live. A utility bill, credit card statement, lease agreement or mortgage statement will all work to prove residency. I have sent in XXXX XXXX file showing that address is not on my file. XXXX XXXX XXXX XXXX, XXXX, ohio XXXX has been deleted from XXXX XXXX for over a year. I sent experian that information a long time ago. I have sent in my passport, credit card statements, social security card, police report, and ftc affidavit and experian refuse to remove this erroneous address and the accounts that is connected with that address. The accounts connected to that address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and fingerhut. Experian " verify '' was a LIE! The information was not verified! E-oscar is not verifying with the original creditor! I have reached out to legal assistance. I will be sending a copy of this complaint to the CEO of experian ( XXXX XXXX ). A consumer definitely should not have to go through this ridiculous measure when information is mixed up with another consumer. Punitive damages will be sought if this is not resolved asap! experian has all the documentation that I have sent prior to this complaint! do not send me another pre-made generated letter stating the erroneous accounts is verified!

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 2022-03-29 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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. XXXX XXXX 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. XXXX XXXX  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 XXXX 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 im XXXX now.

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 2022-03-29 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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. XXXX XXXX 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. XXXX XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX 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 im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: OK

Complaint narrative:
I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are two different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be 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 2022-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
BSI financial had purchased my mortgage from XXXX a few years ago. They were saying that my loan was delinquent when they purchased my loan. It was Not delinquent! For years they kept harassing me for past due payments! In XX/XX/XXXX they destroyed my check which now made it look like I was three payments behind so they could start the foreclosure process! They had sent me a letter in XX/XX/XXXX stating my home is in foreclosure and would not accept any further payments. I had already sent in XXXX payment before I received their letter. Even after they said they would not accept payment from me, they proceeded to cash XX/XX/XXXX payment! Now I have the XXXX wanting to come after me for defaulting on a loan that I am NOT delinquent with!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I purchased concert tickets on XXXX XXXX for a concert in XXXX, PA. The concert tickets were oversold and I was never able to attend the concert. I have a ticket with a XXXX code that can show proof that I never entered the concert. I have contacted PNC Bank multiple times about disputing the charge and they have done nothing to help me in the process. XXXX XXXX is who the tickets were purchased through and I believe it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.

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 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I received a text message advising that Power Finance accepted my loan request. I tried to call them to report fraud and advise that I never applied. I could not get to anyone and they advised they would charge me to speak to a supervisor. I receive a name of XXXX to speak with, left her a voice mail on XX/XX/XXXX with no return call. Then on Monday XX/XX/XXXX I receive another solicitation asking if I could finalize my loan. I advised them that this was fraud, I never applied, and that they should remove any application they have under my name or social security number. She advised she would note my file accordingly. Today XX/XX/XXXX I received another call asking if I wanted to finalize my loan. Not only in this fraud, but it is continuous. How do I get to the bottom of this, so no loans can be taken out in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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. XXXX XXXX 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. XXXX XXXX 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 XXXX 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 im XXXX  now.

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 2022-03-29 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: AL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
XX/XX/XXXX - Sent cease and desist, FTC report stating they violated me under 15 USC chapter 41, Validation of alleged debt pursuant to 15 USC 1692g to XXXX XXXX. Account ending in XXXX changed without my consent to account XXXX XXXX Received response, debt was not validated on first contact. 

XXXX Received letter stating that they were unable to reach out via Phone. My instructions were clear regarding this matter to cease phone communication until debt was validated. 
XXXX Received another statement of alleged debt. 

XX/XX/XXXX Affidavit of truth with exhibits ( 30 Federally protected consumer rights violated ) was sent and no response back, only received another statement which will be attatched at the end as another exhibit. 
Affidavit was received in XX/XX/XXXX Their 15 day response period is over, XXXX XXXX has to cease collection efforts and comply with my demands as a Natural person and Federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have set email notification for low balance. Bank did not send me email notification for low balance. Their system shows email notification could not deliver even though no issue with my email account. 
Next day I received email about overdraft fee charged. That email reception clearly shows no issue. 
This happen multiple times. Mostly on Friday email notification does not work and next day I get email notification about overdraft fee charges. I talked with Customer care and they tried to revert those charges their system shows its valid charges and they are unable to do it. 
Just to provide, no issues with email id, I have attached email received screenshot for 3 days. 

Please 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 monetary relief