vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: NV

Complaint narrative:
Hi I am submitting this XXXXXXXX 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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-16 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: NV

Complaint narrative:
Hi I am submitting this XXXX A 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MS

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: GA

Complaint narrative:
Unable to reach live representative, unable to retrieve six digit passcode via text, apparently Experian inputted wrong telephone number into their system. 

In a nutshell, unable to lift freeze. Unable to reach live representative. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We have a XXXX checking and a XXXX credit card account at XXXX XXXX as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the bank-account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the XXXX  bearing the 2FA code to reach us. We escalated the problem twice over the past 12 months but it has not been corrected since. It has to be noted that before this was working well two years ago. Attached are a screen copy of the issue showing the duplicated same number in the drop list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX  XXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
Due to a business closure in XX/XX/XXXX, my employment ended. Consequently, my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments were delinquent. In XX/XX/XXXX, I was contacted by my lender, " The Money Source '' and I was asked if I was additionally impacted by the Covid19 virus and suggested I go on a forbearance plan. I was told that at the end of the forbearance agreement, my loan would be modified, and I would simply start making my payments again. With that understood, I agreed. At the end of the forbearance period, I was contacted once again and asked if I was able to start making my mortgage payments and I said yes. 

A month later, I was advised that the agreement was now denied, and it was necessary to submit a loan modification application for their approval. I was ready, willing and able to start making the necessary payments. I was misled into believing that the forebeance was to help my situation and now The Money Source has filed a foreclosure lawsuit. They Money Source did not fulfill its original agreement and now is caused unnecessary financial burden. I am in the process of applying for mortgage assistance through the Illinois XXXX XXXX XXXX, working through a certified XXXX  XXXX XXXX locally. I would respectfully request that the lender live to its original agreement. I'm a XXXX and a Veteran. Your valued assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report 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 explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report 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 explanation
Consumer complaint received 2022-05-16 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
My name is XXXX XXXX, and I would like to report Paypal for unfairly preventing me from using my personal starting XX/XX/XXXX and business Paypal on XX/XX/XXXX account and holding my funds according to them for 180 days. I am an upcoming entrepreneur, and my goal is to help liberate clients, friends, and the world from the shackles of poverty. I provide account set up for my client and advice about work/gigs, financial/ crypto platforms, gaming platforms, and XXXX marketing services XXXX However, after providing documents and trying to explain my case, PayPal has continued to limit my account permanently and has vaguely said it is because of the risk associated with the services I provided. The PayPal accounts I am talking about are XXXX and XXXX and respectively have a balance of {$570.00} and {$2900.00}. I would appreciate it if Paypal could kindly allow me access to my account and my funds because it is causing me a lot of anxiety and frustration, and I want this nightmare to end. 

Best Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on EQ. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX  ) XX/XX/XXXX and XX/XX/XXXX 3.EQ reported 30 days late XX/XX/XXXX when the account was not. EQ also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( EQ ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.

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 2022-05-16 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: TX

Complaint narrative:
I am requesting CFPB to launch an investigation with Transunion credit reporting agency due to an incorrect public record reporting on my credit file. I have been disputing a XXXX XXXX bankruptcy that is reporting inaccurately. Transunion continues to state it has been verified but will not disclose by who so that I can ask them to do an investigation. Originally Transunion stated it was verified by XXXX XXXX, so I requested that they perform an investigation and upon completion of XXXX investigation they deleted such bankruptcy from their database. I sent the letter from XXXX XXXX to Transunion, and they once again stated it was verified but did not disclose by who. I have spoken with and received correspondence from the courts that is reporting on my credit file, and they also have sent correspondence stating they do not report or verify anything with the credit bureaus. This inaccurate information needs to be deleted ASAP because I am unable to find a place to live. I have sent certified mail, all correspondence from both XXXX and the courts, I have no clue what else they want or need.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from Equifax, and confirmation # XXXX from XXXX, XXXX never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( XXXX ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). Equifax, XXXX and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax, XXXX and XXXX failed to Investigate both times according to federal law ( FCRA ). Equifax, XXXX and XXXX haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax, XXXX and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand all 8 accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitol One account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXXXXXX ( I ) report the account as current.

Company response to consumer: Closed with non-monetary relief