vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: IL

Complaint narrative:
I disputed incorrect information on my Trans Union credit report for a XXXX XXXX bankruptcy. The bankruptcy is still reporting as open and filed but it has been dismissed since XX/XX/2019. I have reported the correct information to TransUnion representatives on three occasions and they refused to correct the erroneous information. I explained to them how this was causing me great distress and anxiety because I need to move and was at risk of being XXXX due to the error, and that no one would grant me credit, rent or obtain a mortgage because of the bankruptcy still showing open on my credit report. I contacted TransUnion reps in XXXX, XXXX and XXXX to assist with the dispute and they would not correct the inaccuracy. They stated that they had investigated it and that it was accurate and I tried to tell them that it was not. They told me that I would have to contact the lender but the lender was the Bankruptcy Court. There was a number listed on my credit report and I called it and the clerk stated that they do not report any information to the credit bureaus and that the credit bureaus pay a third-party to report this information. If this is the case, the information is public so I can not understand why it was not updated correctly. I went on the website for the bankruptcy court and was able to print the dismissal papers myself so I do not understand why the credit bureaus could not do the same to help me and update their files to be correct. On XX/XX/XXXX, I spoke to two different TransUnion reps named XXXX and XXXX and then a supervisor named XXXX who researched the issue and said they do see the bankruptcy was dismissed on XX/XX/2019, but I had to wait until XX/XX/XXXX because it was still under investigation?!? He told me that I had to write a letter to them and send supporting documents to state that the bankruptcy was dismissed. I told him that I do not have XXXX additional days to wait for them to resolve the dispute and that the information should be removed immediately because I had already disputed it three separate times with no favorable results. I have to move in the next 30 days so this is unacceptable and TransUnion needs to remove this inaccuracy immediately! I never knew why I could not get approved for credit but it is because TransUnion has been reporting an open inaccurate bankruptcy on my report and refused to correct it for the last three years and this has caused me great distress, lack of resources, anxiety, XXXX, and mental anguish.

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 2022-05-18 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: OH

Complaint narrative:
Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my XXXX or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my XXXX report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The XXXX Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked XXXX to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my XXXX or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my XXXX report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The XXXX Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked XXXX to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: AR

Complaint narrative:
XXXX has been charged to me and no refund

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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I received an email from venmo stating my account was temp frozen and I need to upload a picture of government issued ID. I was not aware of the email until after i added money in the account which I desperately need because I'm unemployed and now I can't access my money and venmo is failing to give me any information about this, I'm told that the account specialists are handling it bit they can not be reached by phone. I have uploaded my ID as they asked, I called and sent emails with the same response from the customer rep and it's that the account specialists are handling it but they can only be reached through email but I haven't gotten a single response from them. I am literally going hungry because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on Experian, XXXX and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX has violated this law because this late payment reporting on Experian, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian, XXXX and XXXX and I didnt give them permission to do so.

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 2022-05-18 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from Rocket Mortgage company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with Rocket or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a a trust account for my mother XXXX XXXX XXXX testamentary trust. 
The account has been active and open with SunTrust. XX/XX/2021 a statement was sent to me showing the following, which is attached. The statement is showing on XX/XX/2021 a withdraw of XXXX was made, and the account was closed. 
I never closed this account nor did I make any withdraws. 

I contacted sun trust/truit bank to ask about this account XX/XX/XXXX and they have no records of an account being closed nor open. They only have a profile for me. There no proof there was an account. Although I have the statements to show there was an account. They told me to call a local branch, and have them look. I called and they informed they don't see anything either. I went to the bank in person XX/XX/XXXX for them to tell me the same thing. On XX/XX/XXXX i proceeded to get the police involved and they made a report and are doing further investigation. No one knows where this account is or what happened.

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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
on XX/XX/2022 i sent a debt validation letter to convergent in reference to a debt that the company claimed that i owed. on XX/XX/2022 convergent responded back to me with documents of billing ledgers with balances different from the amount in which they claim that i owed. the cover letter states that i owe XXXX but after reviewing the documents there was not a single paper that proved that i owed this amount. convergent is falsely reporting this information to my credit reports which is hindering my score and credit worthiness.

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 2022-05-18 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: CA

Complaint narrative:
There are too many problems with my report I am including a letter of explanation on all the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Called companies XXXX XXXX XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called Comenitycb/overstock about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: CA

Complaint narrative:
I have been receiving phone calls from this number multiple times. When I call the number to ASG XXXX I am told they have my name as XXXX XXXX XXXX. I have 3 times used their website to indicate that I am not this person and twice used their automated phone system to indicate I am not this person. Both their website and their phone system indicate that they will remove me from their list and/or someone will contact me. I continue to receive calls from ASG XXXX several times a day. They are always automated calls and I have not found a way to speak to an actual person at their offices. I want the calls to stop. I consider this harassment. The numbers I have called are : XXXX, XXXX. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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 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 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 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 2022-05-18 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TN

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}

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 2022-05-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
My social security number and information was compromised on the dark web and somebodys opening up credit cards in my name. They hacked into my email account and have my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief