vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting charge off every month to the credit bureaus since XXXX XXXX, with the most recent report being XXXX. XXXX. I voluntarily surrendered the vehicle approximately XXXX XXXX. XXXX has placed a balance of {$9000.00} and a charge off on my credit reports as if they have not the car in their possession/auctioned and sold the vehicle for the price or more their trying to retain from me. 

XXXX presenting a one time report to the bureaus is one thing, but to continually be reporting " charge off '' on a monthly basis for a debt that has been reconciled through the process of volunteering a surrender and XXXX retaining all remaining capital from my XXXX extended warranty that was on the car at the time of surrender ( but has failed to acknowledge they retained this money as if I'm not aware ) is obvious a greedy scandalous tactic to do harm to my credit history and financial well being. In addition to a violation of my consumer rights as XXXX has more than likely sold/auctioned that vehicle and made the balance of {$9000.00} or more while trying to scam the same amount from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 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 year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ERC
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec 602 states, I have a right to privacy. Under 15 USC 1681 sec 604 section 2, states that a consumer agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my grandson opened a new accct at Chase Bank and deposited a XXXX check that I had given him for his high school graduation. Chase processed my check and pulled the XXXX from my checking account at XXXX XXXX ( money was pulled from my acct on XX/XX/XXXX ). Shortly after that my grandson went to use his acct and it had been closed for no reason. Chase could give him no reason for this but now they are saying that the reason was because of the check I gave him ... the federal reserve gave a negative response???? I have contacted the Federal Reserve personally and they say this is not true! They will not release the money to my grandson saying they need me to verify the check however they refuse to contact me or my bank... So basically Chase Bank is holding my XXXX and XXXX dollars that was given to him from my inlaws and refusing to release it. I was give this CFPB info from the Federal Reserve. They felt like you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2022 I ordered food at XXXX XXXX in XXXX, Indiana. I paid for by mi CITI VISA CARD. When I went to my hotel room I realized that one out of three items I ordered and paid for was not present in the bag that was clipped shut. I did not open the bag to check and trusted them. I then call XXXX XXXX and complained. I also talked to manager. She will not deliver the missing item or reverse the credit card charge. She wanted me to drive back to XXXX XXXX to pick up the missing item. I protested, saying that it is not fair to customer to pay the price by driving, paying for gas used and wasting time to fix their mistake. She did not care. 
I disputed charge with CITI. Their response was to send me a signed receipt of my transaction, and closing the case in merchants favor. 
In no communication they have mentioned my version. When a merchant does not deliver as promised it is fraud. CITI has responsibility to protect me from fraud and not shield the merchant.

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 2022-10-28 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: MI

Complaint narrative:
Equifax is showing a child support case negatively reporting on my credit report. They never provided proof that the children in reference to this account. They never showed proof of DNA or how this alleged debt is even my debt. I have disputed the account with the following company sending certified mail. they failed to send me any proof of how they can determine that this debt is mines. I am demanding it be removed immediately in direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TN

Complaint narrative:
On XX/XX/22 I received a notification that a new address was added to my credit report and I did not add this to my account also a credit was tried to be opened under my SSN. I did not do this action. 

address added : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am no way associated with this address and XXXX  was almost opened under my SSN on XX/XX/22 I froze my credit but I need these removed from my credit report. I also need a fraud alert put on my credit files so no one has access to my ssn anymore to be able to apply for credit or anything like that.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached letters of accounts that are reporting incorrectly and inquiries I did not 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 explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
I recently invested in an 11 month no-penalty CD with CIT Bank who XXXX at the time, was offering the most competitive rate. As the rate environment has changed I'm now looking to close out the existing CD to reinvest the funds at the higher rate now offered by XXXX. While this process is simple with XXXX 's competitors, primarily XXXX and XXXX, XXXX has intentionally made the process difficult/near impossible by forcing seemingly endless hold times on customers trying to close out CDs. At XXXX and XXXX, customers are offered the ability to close out accounts on their own via their online portals and the entire process can be done in under a minute. At XXXX, however, you must call customer service, select an option to talk to a representative about account management and wait up to a couple hours to actually reach a representative. Thereafter they notify you that you'll need to be handed over to the " transaction line, '' an option not immediately available during the initial menu offerings, wherein you have to wait on hold again for a period of hours to reach a representative. During the second hold period there is no relay of hold time estimates nor do you talk to a representative at any point in time. Seeing that there is a simple solution to this problem, already deployed within competitor 's portals, this ongoing issue appears to be intentional and done so to strip customers of their ability to access their funds in a timely manner to the benefit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/22 I paid my full balance and requested the account be closed. On XX/XX/22 I received correspondence vial post mail from commenity forever 21 stating my account has been closed per my request and the balance on the account is XXXX. On XX/XX/22, the company charged me a minimum interest fee of XXXX, then charged a late fee of XXXX on XX/XX/22, and then charged another minimum interest fee of XXXX on XX/XX/22. When I reached out the company the response, I received was that is the policy, and I can pay the XXXX to avoid being charged further interest. This company never sent any communication about the initial minimum interest, only an email stating I had a balance due which was received on XX/XX/22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
i have a hard inquiry on my XXXX XXXX  account that i did not athourize wich is fraud from a company called syncb or sync bank that i would like removed from my XXXX XXXX score so there info is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX zip code XXXX phome number XXXX thank you.

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 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NY

Complaint narrative:
I had emergency services at XXXX XXXX in Connecticut on XX/XX/2019. I have insurance with XXXX XXXX XXXX XXXX XXXX, but back then it was through XXXX XXXX XXXX XXXX XXXX XXXX. After the insurance paid the claim, the bill collector ( Medical Revenue Servies MDS -- ref # XXXX ) claims there was an outstanding balance, but I never received notice of it. Now, years later, they are saying I owe over XXXX dollars. Since I have changed insurance companies, I don't have access to old XXXX XXXX Claims. The hospital doesn't have a record of the service or the account. The billing collector keeps calling about payment, but I don't think I owe it. I'm not sure how to resolve the situation. Any help you can give is appreciated. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 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 XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MI

Complaint narrative:
I have two fraudulent accounts on my transunion report. One for XXXX XXXX and another for XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I have sent in police reports and nothing has happened, if they do not fix it I will sue the credit agency

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Reporting Agency Equifax continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion and XXXX drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.

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 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: CO

Complaint narrative:
On XX/XX/XXXX I received notice of a collection posted to my credit report in the amount of {$290.00} from Credit Service Company INC. Having never heard of this company and not knowing of any new credit card or line of credit, I reached out to XXXX for assistance. They researched and found it was originally for XXXX XXXX XXXX XXXX for a service date of XX/XX/XXXX in their XXXX XXXXXXXX location I know of XXXX XXXX XXXX as they have an office in my hometown but I have not seen them nor have I seen a bill from them at any time. I was also not contacted by Credit Service Company.. The result of the conference call between XXXX, Credit Service Company, and me was that XXXX would file a dispute and investigate on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX 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 2022-10-28 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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