vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 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 2022-08-19 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: 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 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 severe 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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX the XXXX I initiated applying for a mortgage. My lender informed me that I had a Capital One credit card in default. After looking at the credit report I determined that this was a credit card I no longer used and had been paid off in XX/XX/2013 and never used again. The charge was for {$1.00} from a website called XXXX. I called Capital One that day and spoke with a customer service rep. He advised me this was not a reoccurring charge and he would submit a fraud report and that on the next credit cycle it would be cleared. 
On XX/XX/XXXX my lender proceeded with a final credit check only to find out the account was still showing past due and flag for fraud had been attached to the charge. I called Capital One again and spoke with another rep who advised me she would take care of things and file a complaint against the first rep I spoke with. The next day my lender informed me that I needed an actual fraud report to proceed with my mortgage. I then called Capital One a third time with my lender on the line as well. 
After 2 hours and speaking with 3 different people they initiated a fraud report. 
This fraudulent charge on my credit report had dropped my credit score over 100 points which cost me thousands of dollars in loan fees, tax payments and now I have lost the house I was buying because the seller 's were unwilling to wait any longer. I called before the next credit cycle ever ran so had they reported the fraud when I called on XX/XX/XXXX there would have been no issues. 
They tried to lie and cover up mistakes and refused to let me speak with their fraud department directly until I had been on the phone well over an hour and I threatened to file a complaint with the CFPB. 
This charge should have been flagged to begin with. This was a credit account that hadn't been used in 9 years and no new cards that had been sent out had ever been activated. They could give me no explanation as to why the fraud report wasn't filed when I called in on XX/XX/XXXX or on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 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 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 2022-08-19 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 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 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 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Purusuant 7 CFR 1782.3 A Charge-off is a write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received. According to federal law there is no such thing as an open charge off. GM Financial states that I have an open charge off hence why they reported a charge off to my consumer report. This is in fact, false misleading information and is affecting my credit worthiness. Also, according to the IRS Publication 4681 a charge off is income which the credit reporting agencies shouldn't be reporting income to my consumer reports. I have yet to receive a 1099c for the charge off and GM Financial keeps giving the run around with deceptive and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 I went into a Chase branch to sell my Truck. The buyer was a Chase client as well. We obtained a payoff amount on my truck loan and the buyer came in with a cashiers check to pay off my auto loan. The balance or equity I had on the vehicle was supposed to be transferred from Buyers Chase savings account and deposited into my Chase checking account. But the teller made a mistake and applied the full amount ( XXXX ) towards the auto loan overpaying it by almost {$20000.00}. Chase auto has been holding those funds and not releasing them to me causing me to not be able to purchase another vehicle I had on order for over 3 months in addition to having to run up my credit cards. Its XXXX XXXX with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 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: T.S. Holdings
State: TX

Complaint narrative:
I have tried to dispute with IQ Data regarding my ownership of the XXXX account ( now showing I owe {$1100.00} ) several times. I was not made aware of this account by the landlord and did not receive anything in the mail letting me know anything would be escalating to collections in 3 years before this showed up on my credit. I never received an itemized statement of my charges- or photos showing proof of any damages along with the itemized statement that never came. When I reported to XXXX for the second time to get this removed from my report, the charges were dropped off- but then appeared again and with a different amount. Every so often a XXXX or so gets added to my charges for XXXX ( and IQ data is overseeing my collection for another property which is interesting ) so they can keep adding to my report. They are also not doing their due diligence to follow up with the other person who is supposed to be on the joint account and only contacting me during my work hours. They have removed this account from the other person who had JOINT responsibility, but not from my credit. This needs to be removed. There is no proof of charges, there was no contact made so I could dispute before this hit my credit, and now they are not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: RI

Complaint narrative:
I had a lease with XXXX XXXX XXXX. I learned that the building had been water damaged and broke the lease. I subsequently filed a lawsuit to get back my security deposit, at the time the case was adjudicated, XXXX XXXX had made claims of money owed to them. They raised this in court on both hearing days. Ultimately, the case was decided as follows on XX/XX/2022 : The Court Finds in Favor of the Defendant The Defendant does not owe money to the plaintiff on the plaintiff 's claim No money is owed on this claim The defendants had 30 days to appeal the decision. The defendants did not appeal the decision and the decision was not appealed. About two weeks after the decision became final, the defendants contacted a debt collector to pursue collection of the debt they had sought in court. This time, as " XXXX XXXX XXXX  '' which is another entity within the XXXX XXXX XXXX structure and is thus in privity with XXXX XXXX and thus res judicata and claim preclusion apply. 

The case was over the lease, a contract matter. All issues under the lease -- both plaintiff and defendant ( the debt they are trying to collect ) were fully mature before the first hearing on XX/XX/2022. The issue at stake was breach of contract thus both the claim and the issue have been decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Spring oaks supposedly purchased a debt that was already added to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: LA

Complaint narrative:
I recently checked my credit report and discovered two charges from a company that I didn't recognize XXXX XXXX XXXX XXXX. these charges are literally two months apart, XXXX and XXXX. I feel so violated in knowing that someone can use your information against you like this. {$2200.00} of debt that I didn't authorize.

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 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2022 ; I received a text message from a number claiming to be US Bank. The message stated that there was a XXXX Attempt on my Account via XXXX transaction. I responded No, this was not my attempt. Shortly after I got a call from a number that identified as US Bank so I answered. At this point I do not have a XXXX account created. The person on the other line walks me through how to set this up and how to reverse the two transactions that were attempted in the amount of {$1500.00} each. They assured me that this is how the bank would stop the transactions going through. This was the majority of my bank account and was leaving for a trip later that week where I needed this money. So I followed the instructions provided be the operator and when I sent the second transaction through they hung up. This is when I called US Bank to report what had happened. They created a fraud claim but stated there was nothing they could do at the moment to get my money back that was taken from me by a fraud scheme. After several phone calls with the bank they informed me this was not something they were liable for. I was made to believe the person I was speaking with was a representative of US Bank and all data that came to me had US Bank Identification. The representatives I talked to from the actual bank could not locate any warning of this XXXX Scam on the website. I however, do not use the Website rather the app only.

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 2022-08-19 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
I had outstanding tolls, sent to the wrong address for a year straight. I finally recied the notices and tolls were sent to XXXX collections. I have tried to pay the tolls online and it is almost impossible. I have tried to contact XXXX and you can not get them to answer the phone. I can not have this added to my credit report and they do not have an email to reach them.

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