vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: 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 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CA

Complaint narrative:
XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.

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 2022-09-08 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: CA

Complaint narrative:
XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: NV

Complaint narrative:
I have had a loan with the company since XXXX of 2021 and have yet to receive a statement, or a bill, or a breakdown of how my payments are being applied. I have never been late or missed a payment but am now receiving emails stating they are attempting to collect a debt and my account is in collections. When I call the company they are not able to locate my account by number but are able to show my payment history. They stated they can not send out statements because they are behind with a system upgrade, but I have never received one. They also stated they would send me my payment history, but I have not seen that either. Their website doesn't show any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma showed me all these credit cards I was pre-approved for and once I applied I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: GA

Complaint narrative:
On XX/XX/2022 I reported that My Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Credit Report to Equifax via phone with an Equifax representative. 

On XX/XX/2022 I mailed a letter to Equifax Stating that my Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Equifax Credit Report I then got a letter in the mail from Equifax stating that the disputed item is not on my credit report. 

I need my Morgage to show up on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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 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 XXXX XXXX XXXX  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 2022-09-08 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: 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 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 XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
Disputed inquiries on my report that are inaccurate. Company ( transunion ) came back in 2 days and stated they were valid inquiries. That was not enough to verify. These inquiries are inaccurate and not mine

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 2022-09-08 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
I have submitted two separate disputes requesting that Equifax remove the illegal negative authorized user account with XXXXXXXX XXXX from my credit report as I am not the legal owner and it is illegal to be reporting this negative account on my credit. Two times now Equifax has sent me confirmations that the work has been completed and the account removed from my credit. My mortgage company issue a new credit report today and this account is STILL on my credit!!! 

Per the FCRA : As an Authorized User, I am not legally liable for this debt as per section 603 of the FCRA. This debt should have been removed from my credit profile when it first went delinquent in 2022. Please have this updated ASAP and send me written confirmation of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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 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 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 2022-09-08 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: 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 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, no later then 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in Violation! 
Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I paid off the remaining balance, XXXX ish, on the XXXX of XX/XX/XXXX. In the capital one app under title it said The title was mailed to the appropriate part. Give time for the title to show in the mail. The app also said the title was mailed on the XXXX of XXXX XXXX 
I had moved from XXXXXXXX XXXX to XXXX XXXX.about 2 years ago. I had called and gave the company my new address. Now that the car is paid off they send the title to XXXX. Its been thee weeks and no title at either address. I called the post office in XXXX and spoke with the post mistress. She said that they would have sent it back because the house is vacant. The post mistress double checked and there was no mail for me nor my husband there at the post office. I called capital one again and they just transferred me from one person to another. When I got it someone to help me. She was not listening to what I was saying. She just repeated her scripted line. Capital one cant find my title and their solution is to send me a release form that I would have to clear up with XXXX XXXX  then Ill be able to license and title my car in XXXX. My car has not been licensed in XXXX years because capital one has not sent anything to me in XXXX  nor XXXX so that I can register my car. 
I paid off the car XXXX XXXX XXXX early the maturity date isnt unti XX/XX/XXXX and the still ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Macys customer service on XX/XX/XXXX when I attempted to place an order using my card but it was was declined. Customer Service advised the account was closed on XX/XX/XXXX per customer request. I advised I did not authorize the account closure. When my pay down check for $ XXXX + was mailed in XX/XX/2022 a letter accompanied the check. If I wanted the account closed, I would have needed to sign in a certain section of the letter to authorize the closure and I DID NOT SIGN therefore the account was to remain open and active. Customer Service stated I could reapply for a new account but I advised my account should not have been closed. Customer Service stated they could not view the letter and needed to open a case for review. It would take 10-days for a response. I have been a long time platinum customer and felt this review delay was ridiculous since Macys incorrectly closed my account in error without my signed authorization.

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 2022-09-08 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: Uplift, Inc
State: TX

Complaint narrative:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
As of XX/XX/XXXX this is the company 's response. 

Thank you for giving us the opportunity to respond. XXXX XXXX is correct that she originally obtained a loan from AmeriCash Loans for {$600.00} in XX/XX/XXXX. However, XXXX XXXX subsequently refinanced that loan in XX/XX/XXXX. Due to XXXX XXXX failure to timely make all scheduled loan payments on her XX/XX/XXXX loan, AmeriCashs counsel filed a collection action against XXXX XXXX for the outstanding balance of that loan. As a courtesy, AmeriCash has decided to release the wage garnishment for the remainder of the balance, mark the judgment as satisfied, and close the account. 

As of XX/XX/XXXX, I received a document from my employer regarding an amended/balance update that this agency is looking to collect an additional {$1900.00}. There has not been any documents received that the loan is closed and paid off.

Company response to consumer: Closed with explanation