vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: AL

Complaint narrative:
According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my experian credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on XXXX and trans union. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my trans union and XXXX all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.

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 2022-10-24 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: AL

Complaint narrative:
According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

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 more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-24 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2022 I made a payment to the credit card Marcus Sachs of {$500.00}. My payment was XXXX the money order was cashed XX/XX/XXXX I called to make a report. Five times also on my credit score. They told me that my money order is in a different XXXX XXXX but it has the same name of the credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Albert Corporation
State: CA

Complaint narrative:
This is an online ONLY debit card account is with The Albert XXXX debit card issued by XXXX XXXX for Copyright XXXX, Albert Corporation. The app is called Albert. 

I started this account XX/XX/XXXX. Have a rainy day savings of {$300.00} and want to close this card out and transfer funds to my bank account. Which is linked to this card. This company asks for verification of linked accounts. I provided two banks. My primary XXXX account was recently closed. I still have XXXX, but a different account number. I also linked my XXXX account. This Albert app is refusing to surrender funds. And continue going back and forth stating that they are unable to verify any of my bank information provided, six times already over the past month. I realized that these people are purposely withholding funds. There no solid way to communicate with them, other than the app, not even an email. When communicating via the app, I then receive a text message from some random individual in response to info from the app. Quite confusing. The text is the same information each time. It never changes it reads as follows : It looks like the statement we received doesn't match the bank account we're trying to verify. Please upload the correct statement. 

To re-upload your statement : Pull down on the home screen to refresh the app. 
Go to the profile tab ( ). 
Tap " Linked accounts. '' Tap " Action required '' next to the institution we're verifying. 
Tap " Upload statements. 

And the process starts all over again. Over and over. I then decided to look into the XXXX XXXX XXXX  and saw complaint after complaint. Yet XXXX  response was the same for all consumers. Below is the generic text response in XXXX XXXX XXXX from Albert : We've reviewed your concern and have identified we've resolved the issue directly via text. Please contact our customer support department by texting****************************************** Please assist in this matter. As I do not believe this company plans on returning my money. Plus they have now placed an unauthorized charge on my XXXX account. 

They obviously are covering themselves by making generic responses with XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Truist took over servicing of mortgage at the beginning of XXXX and I could not register online and setup autopay after all documentation received said to go online to register. Required me to call in and wait for over an hour for them to help me setup online account and was told online setup was not possible without calling them. 
Submitted payments at the end of XXXX and it took several days for any of them to be reflected online with confirmations or in account history so I submitted a few times. 

Upon processing all of the payments, payments were not processed as payments of principal. So even if paid ahead, they are not reflected as such and apparently interest is just being held for fun in advance of being due rather than being applied to principal. Spoke with Truist today XX/XX/XXXX and they said they don't care and will not apply any additional payments toward principal unless I specifically tell them so even if no interest is accrued. So if I pay my mortgage early they will not reduce principal and hold the payment UNTIL it is DUE and only apply it based on the payment schedule so effectively a prepayment penalty. 

That has never occurred in any mortgage that I've ever held and absolute 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 explanation
Consumer complaint received 2022-10-24 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.

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 2022-10-24 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: GA

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 more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 an account without my written instructions Transunion has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of the bankruptcy of any credit bureau. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted.

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 2022-10-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC 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 2022-10-25 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/2022 ; 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 2022-10-25 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: GA

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 more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Community Health Investment Company, LLC.
State: OK

Complaint narrative:
I had a XXXX on XX/XX/XXXX. I filed for divorce in XX/XX/XXXX. It was my understanding that the medical debt was taken care of by my ex husband. I never received a bill and I had no idea that there was a balance to be paid. I would have happily arranged payments with the doctor had I known there was an outstanding balance. I am very angry. I have near perfect credit and this needs to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NY

Complaint narrative:
I filed identity theft report reference # XXXX and sent it with disbute letter to all bureaus of fraud that I seen, XXXX XXXX XXXX, XXXX. XXXX, child support accounts XXXX, XXXX, XXXX, XXXX. I sent to bureaus XXXX XXXX Ive been trying to contact them to no one telling me much of anything please help me dispute this fraud of my credit report

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 2022-10-25 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/2022 ; XXXX XXXX

Company response to consumer: Closed with explanation