vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: NY

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. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 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. 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
XX/XX/22 I broke my XXXX and tried to log into Chime and add a new phone number I had access to. 
XX/XX/22 My account was " suspended '' or " locked '' by Chime due to Suspicious activity. 
XX/XX/22 I replied to their email asking for documents to verify my identity. I responded promptly and attached all required documents XX/XX/22 I call Chime customer service. They tell me to wait for an email response. I send another email to them. 


Every day since XX/XX/22 I have contacted them via phone and email, to no avail. Have not heard back from a single person with an update or anything even related to my case. I have my case #, ticket #, it doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-05 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: NY

Complaint narrative:
Transunion has falsified information violating my right to credit. They have continuously created false inquiries which they have no authorization to, and shared information publicly by doing business with corporations. As stated on the transunion credit report as of today XX/XX/XXXX I have a total of XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
An unauthorized transaction ( check ) was completed on XX/XX/21 for {$1400.00} from my Citizens Bank Checking account. I reported transaction by phone and in person on XX/XX/21. 

They can not or wont provide a copy of the check. I have met with them and called them multiple times to try to have resolved. 

Citizens Bank is now stating that the hold up is with XXXX XXXX not reversing the charge yet. XXXX XXXX tells them that the delay is because they are very backed up. Citizens Bank has offered a provisional deposit but I have since closed my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Direct contact is not possible. They accept mail and chat bot. In the past 45 minutes, I have performed the Pavlovian game of calling customer service, each call results in waiting for a disconnect. How many times is reasonable? 

It is not possible to access the account online. I was solicited using XXXX XXXX. I signed up using XXXX XXXX. I am told that I can not access my account thru XXXX XXXX. I am told that I must buy a smartphone and use something called an app. I choose not to participate in the destructive and abnormal behavior of carrying a security disabling, privacy broadcasting, advertisement delivery device. Plus I am essentially blind. Venmo solicited my business in a deceptive manner. I can not access any information about my account. Even if Venmo corrects their refusal to accept incoming calls, I should not have to call Venmo to access my account. This is the 21st century. 

Please note : I know that this is a game. I know that Venmo faces no consequence for any deception, fraud, or malfeasance. I know that this process is pro forma. The people will rise.

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 2022-08-05 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: PA

Complaint narrative:
Equifax broke the law. They did not have me permission or consent to furnish these reports, and have recently admitted to furnishing " millions '' of consumer 's reports inaccurately, and I, the natural person and consumer have been impacted. 

Pursuant to 15usc1681 ( a ) ( 3 ) Equifax assumed this role to furnish my information. Not only did they assume this role, but they didn't have my permission in the first place. Per 15usc1681 ( a ) ( 4 ) Equifax did NOT exercise their " grave responsibility ''. Equifax was unfair, partial, and did not respect my right to privacy. 

In accordance with 15usc1681b ( 2 ), I never instructed them to furnish this report, or create this report. I never consented to this report in the first place. 

I do NOT need an investigation, or reinvestigation. I provided the company with these laws 30 days ago, and was given a generic " validation '' of the below accounts. With recent news of the company 's erroneous acts of breach of privacy and consent, I'm demanding the items I have stated below be deleted from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 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. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company 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 2022-08-05 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: MO

Complaint narrative:
XXXX violated my rights Under 15 USC 1681 a number XXXX. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ). 
You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

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 2022-08-05 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: MO

Complaint narrative:
XXXX violated my rights Under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

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 2022-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested to have the following items properly investigated and removed from my credit report as they are not accurate and should not be on my report. Also my score does not accurately reflect my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to discuss a negative report on my credit due to missed payment. I spoke with a representative who reported that the entirety of my balance was reported to the credit bureau and that the account is no longer in collections and that the report to the credit agency will remain in place for XXXX years. I have consistently paid this card and all other balances with a XXXX XXXX payment history for all accounts and did not receive any contact from the bank until XX/XX/XXXX. I immediately paid on the balance and made a total on {$1600.00} toward the card. I received a letter in the mail stating a past due balance of {$330.00}. However, I was told that the reported balance to collections was {$6600.00} and XXXX would make no attempts to resolve the issue with reporting to the credit bureau. I have been dealing with documented XXXX XXXX for the past year and been on restricted income since the end of XXXX, however, I have been consistent in keeping my payments to all accounts. I believe that the delay in action to contact me and the comments made by the representative of XXXX are in direct conflict with fair and equal credit reporting and consumer assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
i was charged XXXX for XXXX credit report on my credit card, i sent XXXX a letter in XX/XX/2022 to cancel theses services and called the companies phone number last year, got a computer voice that asked me to enter my social security number and said i was not a member, i sent my credit card company a copy of the letter they started a dispute and said it was insufficient, i thought sending a letter asking XXXX to cancel was good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

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 2022-08-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: GA

Complaint narrative:
I submitted a claim to Experian 's fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.

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 2022-08-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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