vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless 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 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Today ( XX/XX/2022 ) I tried to make a purchase with my Citi AAdvantage XXXX XXXX credit card. It was declined right away. 
After checking my remaining available credit I figured that it is too low for that purchase. 
However, the payment for the XX/XX/2022 statement was processed on XX/XX/XXXX which should have given me more than enough remaining available credit. 
I called Citi and tried to solve the problem so that they apply the XX/XX/XXXX payment to my credit card account. After almost 1 hour and thereof 30 minutes waiting for a supervisor I hung up. 
Then I called the company I made the purchase with to split the payment among 2 credit cards. Also that payment didn't go through because now it got flagged as 'fraud '. I called Citi again and had to go through a ridiculous verification process : they didn't accept both of my XXXX mobile phone lines ( no reasons given ) - one of them a company mobile phone, I answered all of their security questions correctly, but it still was not enough to verify it's me. Then they wanted another credit card, from another credit card company, to verify. I gave them my XXXX credit card and they called XXXX to verify me. After another 10 minutes they came back to go through every single purchase I made over the last 2 weeks. 
I think they unjustly deny access to my money which is not acceptable.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: PA

Complaint narrative:
I noticed an inquiry on my credit report that I did not recognize nor authorize. 
ELAN FINANCI Commercial Banks XXXXXX/XX/2022 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 2022-12-12 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information

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 2022-12-12 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission

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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I paid for my XXXX pass for XXXX day. When I got notified I had an account I canceled the account and went on with my life not knowing they were charging me monthly for a whole year but my card was lost and stolen so I got a new one. Find out my XXXX XXXX dropped very low and seen them on my credit. You can only XXXX the anger and shock. I have a then park ruining my XXXX XXXX. Please help remove all this debt from my credit. XX/XX/2022 - XX/XX/2022 XXXX Ive been disputing the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
The accounts are still open and they haven't reported back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The accounts are still open and they haven't reported back

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I had 3 accounts with Affirm. I was supposed to get 4 payments interest free on each account. I did not. I sent payments to pay each account off and they did not apply them correctly. It took a couple of weeks to get them to apply it correctly and now they are reporting them delinquent. I was never 30 or 60 days late on ANY account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I owed a credit card debt to American Express for about {$6000.00}. After suing me in XXXX, I hired a lawyer to help me dismiss the case and agree to a settlement. We came to an agreement in XXXX of XXXX. As part of this agreement, American Express should have reported to the credit bureaus that this case was closed and that we had reached a settlement, as I'm rebuilding my credit. I have been paying as agreed and haven't missed a payment. My lawyer has reached out to American Express and received no response. They suggested that I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: CA

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 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 XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX 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 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I submitted a full, entire modification Package, confirmed by rep at Rushmore Loan management. The full package was received on XX/XX/2022, 40 days before foreclosure XXXX here is the email time stamp attached They are not stopping foreclosure sale as per federal law stated below : Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, I have phone calls recorded and proof of full submission within 40 days but they are claiming now that they start counting once package is reviewed. Please assist in having then comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS INQUIRY DOES NOT BELONGS TO ME XXXX XX/XX/2022

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 2022-12-12 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
On XX/XX/XXXX I filed a dispute with the 3 bureaus customer relations department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

Lvnv funding llc XXXX XXXX XXXX XXXX XXXX XXXX Lvnv Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX 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 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 2022-12-12 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
I carry my own homeowners insurance and BSI is charging me for their homeowners insurance. I have sent in my face sheet for insurance and spoke to a representative numerous times to no avail. I was told they had the incorrect property address. I sent in proof from the county. Somehow they paid property tax on the correct address but still are charging me for the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted Equifax and XXXX creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in ge
neral.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry XXXX : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX The following inquiries are unauthorized : Creditor : JXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX  XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXXE Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX DEALERS Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 2022

Company response to consumer: Closed with explanation