vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: MD

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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 homeless 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 2022-10-19 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the 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. XXXX XXXX. 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received a {$100.00} Vanilla Visa gift card as a holiday gift from my boss in XX/XX/XXXX. I never opened the cardboard packaging to use the card until XX/XX/XXXX. When I went online to make a {$10.00} purchase, it was rejected for insufficient funds. I looked at the balance of the card on their website, only to find out that the card had a {$0.00} balance. There were 20 - {$5.00} XXXX XXXX gift cards purchased with this gift card on XX/XX/XXXX. I immediately contacted Visa on XX/XX/XXXX via phone, and submitted a dispute form to them the same day. They finally responded on XX/XX/XXXX with a resolution letter, denying any recourse, as they said " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. '' These fraudulant purchases were made before I even received the card in XX/XX/XXXX - I had no way of knowing that the card had been hacked! Their decision had no thought or care as to the events that preceded my dispute being filed. They just don't care. 

I sent another email to their gift card disputes department on Friday, XX/XX/XXXX, asking that they reconsider their decision due to the fact that the card was hacked on XX/XX/XXXX, and I didn't receive it until after the 60 days of recovery had expired. I tried calling their customer service department, and spoke with XXXX, who told me I had to wait for someone to respond to my email. I am just getting the run-around from Visa, and I am totally frustrated with them. My boss spent {$100.00} on a gift card that didn't have any value on it when he purchased it, and passed it to me, thinking he was giving me a nice gift. 

I am unable to attach my emails to them, but am more than happy to forward them to you if you provide me an email address by which to do so. 

I am hoping you are able to help to obtain a replacement gift card from Vanilla Visa, as the way they treat a victim is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to experian and other credit companies which has reduced my 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 2022-10-19 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: MD

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 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 homeless 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 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SD

Complaint narrative:
I have created many complaints on behalf of AES for not allowing me to put me in a payment plan where my payment goes to my principal is a respectful way. I pay {$270.00} a month and cents only goes to my principal. If you see my payment history, it hardly touches my principal. THIS IS WHY WE NEED REFORM AND NOT A GOVERNMENT BAILOUT! 

- see payment history attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
XXXX XXXX IS VIOLATING MY RIGHTS TO PRIVACY. THEY CONTINUE TO BREAK THE LAW ACCORDING TO FCRA SECTION 605B. LET THIS BE PROOF OF THEM NOT HAVING ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS FRAUDULENT ACCOUNT BY ME DIRECTLY AS I HAVE SENT IN POLICE REPORT AND IDENTITY THEFT REPORT ACCORDING TO FCRA SECTION 605B THAT THIS IS FRAUDULENT ACCOUNT. 

( SEE ATTACHED ) POLICE REPORT, FTC IDENTITY THEFT REPORT THIS IS PROOF XXXX XXXX HAS NO WRITTEN INSTRUCTIONS/AUTHORIZATION BY ME TO OPEN THIS FRAUDULENT ACCOUNT WHICH HAS RESULTED IDENTITY THEFT. 
ACCORDING TO THE FCRA SECTION 605B YOU MUST REMOVE AND BLOCK ANY FRAUDULENT ACCOUNT ONCE RECIEVED DOCUMENTS ATTACHED WITHIN 4 DAYS OF RECIEVED IF YOU CAN NOT PROVIDE ME WITH PROOF WRITTEN AUTHORIZATION/INSTRUCTIONS BY ME VALIDATING MY IDENTITY BEFORE THE ACCOUNT WAS OPEM IF YOU CAN NOT PROVIDE ME PROOF IT IS CLEARLY STATED IN SECTION 605B OF THE FCRA THE FRAUDULENT ITEM MUST BE BLOCKED AND REMOVED THIS WILL BE MY PROOF OF ME SENDING XXXX XXXX ONCE AGAIN THE REQUIRED DOCS ( SEE ATTACHED ) AND PROOF THEY DO NOT HAVE ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS ACCOUNT BUT ONLY HOW THE IDENTITY THEFT HAPPENED THIS IS NOT ENOUGH INFORMATION AND IS ENABLEMENT IN IDENTITY THEFT AMD DEFAMATION OF CHARACTER BY CAPITAL. XXXX XXXX STATED EQUIFAX AND XXXX MUST DELETE OLD ADDRESSES FOR THEY CAN NOT SO LET THIS BE PROOF THAT IT IS EQUIFAX AND XXXX DUTY TO REMOVE AND DELETE THE ADDRESS XXXX XXXX XXXX XXXX FL XXXX FOR THJ IS A FRAUDULENT ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have violated my rights. 

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

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

15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX These accounts have violated my rights. 

15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states no  consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm stated that my accounts would be reported to the credit bureaus, which I was fine with. However, I have made over 3 years worth of on-time payments to affirm and never once did they report those payments. Then, out of nowhere they report 3 accounts as past due AFTER I paid them and AFTER they told me that it wouldnt be reported bc I was slightly behind due to an issue with my bank that was recently resolved! Now my credit score has dropped by XXXX XXXX points and theres no way to fix that immediately. They need to remove those accounts immediately. And I cant make additional payments while other payments are processing, which is XXXX and has caused this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-19 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:
On XX/XX/2022 I submitted my XXXX letter to TransUnion attempting to remedy they inaccurate reporting to my credit file, notifying them that I intend to file a lawsuit for several FCRA and XXXX violations. Their response to my letter wasn't a remedy but rather a stall tactic to buy them more time. They did not even look at my letter but stated that they think that I am a credit repair company or an unauthorized party. I have been sending them letters dating back to XXXX of 2022 and have submitted previous complaints. I can not afford to hire someone to do this so since I am a XXXX veteran I have nothing but time to read, and I chose to read the XXXX Code Laws as well as the FCRA and found several violations on my file, which to date this company refuses to acknowledge. Their response is dated XX/XX/2022 and clearly did not reinvestigate as requested. My next letter was a demand letter sent to the company 's legal department in XXXX, De dated XX/XX/2022. This demand letter shows clearly all dates of letters that were sent by myself, along with the previous letter dated XX/XX/2022 which lists each inaccurate item and the reason it should be removed. I gave them a deadline to remedy this situation by, which was XX/XX/XXXX, stating my reasons and my legal right to proceed with legal action for FCRA violations under sections XXXX and XXXX as well as my demands. all letters were sent to transUnion with a copy of my drivers license and a utility bill for proof of address. Please see attached files.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: DE

Complaint narrative:
I have Vanilla gift cards that were missing but have recently been found. They all have the purchased value but the expiration date is past. I cant seem to be able to have replacement cards issued. Its a complete run around when calling Vanilla Visa customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
I received a garnishment on my checking account from United Collection Bureau XXXX. The amount is for {$6400.00}. I have been trying to call them for several days and have spent hours listening to music. I don't know what the garnishment is about. i just know there is a hold on my checking account for this amount. I need 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