vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: NJ

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. Seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses XXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts XXXX. XXXX XXXX XXXX Please Delete This Account From My Report XXXX XXXX XXXX XXXXXXXX Please Delete This Account From My Report XXXX. XXXX XXXX Please Delete This Account From My Report XXXX. XXXX XXXX XXXX XXXXXXXX Please Delete This Account From My Report XXXX. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect 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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: OH

Complaint narrative:
When Ever I apply for a credit card threw credit karma that they say I can definitely get approved for it always deny me after application is done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a bank of America customer for over 5 years. My husband didn't have a bank account so I was using my account to deposit his checks, which gave me no issues. Th checks I was depositing for my husband were payroll checks from his job. 
My husband left this company and they gave him a severance check in the amount of {$6500.00}. 3 weeks after i deposited this check, Bofa closed my account due to the policy that reads I am not allowed to deposit third party checks ( keep in mind, I had been doing so for almost a year without any issues ) The balance i had in my account prior to depositing the check was {$90.00}, which BANK OF AMERICA SENT ME A CHECK FOR! THEY HAVE NOT SENT ME A CHECK FOR THE REMAINING {$6500.00}!!! 
So I accepted, i understand all banks have different policies and procedures and rights. 
This check was deposited in XXXX, every time i call the bank they tell me they are still authorizing the check. At this point i believe they don't even plan to give me the money that was already cleared in my account! I have contacted the issuer of the check several times who tells me the check has cleared on his end and the funds have already been taken out of his account. 
Bofa is treating as if I've committed fraud! PLEASE HELP ME RETREIEVE THE CHECK!

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 2022-09-14 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: KS

Complaint narrative:
As per my request for full VALIDATION OF THE DEBIT submitted through Experian ( ref no. XXXX ) the XXXX XXXX XXXX XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On this date : XXXX XXXX 2022, I closed my PayPal-Master Card Account... Instead of PPM transferring my rewards money to my regular PayPal Account Balance they just took my rewards money without any warning, or made aware of other options regarding my rewards money. They just took it... and I feel robbed! 

I want my rewards money. Who knows how many people this happens to. I earned those rewards, I want them back! 

Thank you in advance and stay well.

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 2022-09-14 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: NJ

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 XXXX 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 explanation
Consumer complaint received 2022-09-14 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: NJ

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 XXXX 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 XXXXs 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 2022-09-14 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: FL

Complaint narrative:
NOTICE OF XXXX XXXX XXXX  IDENTIFY THEFT!! Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. A ConsumeXXXX reporting shall block the reporting of any information in the file of a consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Reporting Late payment and Utilization is illegal. Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT. 15 u.s.c. 1681a and 15 USC 1681. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for, ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete accounts from my consumer report immediately. 



Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card and FTC identity theft Report. I don't want to have to file a lawsuit again.

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 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
On XX/XX/2022, i received an email from a company called TrueAccord located in XXXX KS stating that i owed {$1000.00} to a company called XXXX XXXX XXXX who is the current creditor to XXXX XXXXXXXX XXXX who originally owned this debt. i responded that i had no idea who TrueAccord was, who XXXX XXXX XXXX is or who XXXX XXXXXXXX XXXX is. I also let them know that I have never had an account with XXXX XXXXXXXX XXXX. I asked for proof of the debt and received a message that TrueAccord was suspending collection efforts and also asked several personal questions which i did not answer. I begin to receive collection efforts via email again on XX/XX/2022 via email. All communication has been to my work email not my personal email. I would like for these communications to cease unless someone can show me proof that this debt even exists. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? 

XXXX inquiry XX/XX/2021 still shows on my credit card can it be removed? 
SYNCB/PayPal XXXX still shows on my credit report can it be removed please.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On Friday, XX/XX/XXXX I wrote a letter to XXXX, XXXX, and TransUnion ( three Credit Bureaus ) information in my file. One of the issues was stating that I was " SERIOUSLY DELINQUENT '' with my car loan ( joint ) payment to XXXX XXXX XXXX XXXX, which is not true. My daughter purchased a XXXX XXXX XXXX on XX/XX/XXXX and I cosigned the loan. Well, on XX/XX/XXXX, the vehicle was totaled by another driver. Though according to XXXX XXXX the car was valued at {$39000.00}, as a result upon inspection XXXX XXXX Insurance paid off the vehicle but at a lower rate based on the cars ' pre-accident value of {$25000.00} ; this amount was sent to XXXX XXXX and accepted for the total loss. The next thing we know a couple months later after receiving payment from XXXX XXXX we were sent a bill from XXXX XXXX stating we needed to pay them {$2100.00}. We could not understand this because they were paid for the loss of the vehicle and if it was not enough money they had the opportunity to go back to XXXX XXXX to request the additional amount. They also had the opportunity to seek the {$2100.00} via GAP Insurance but chose not to do so. 

Though XXXX XXXX was paid for the vehicle in a lump sum due to the accident and received car note payments from my daughter up until the time of the accident they have failed to properly report this information onto the Credit Bureau reports to the three agencies as such. I have been making every effort to resolve this matter with XXXX XXXX but they have failed to properly and accurately report the information to the three Credit Bureaus. 

Secondly, on Monday, XX/XX/XXXX, I sent another to the three Credit Bureaus asking for REMARKS to be removed from my XXXX XXXX XXXX XXXX Credit Card, XXXX XXXX  XXXX Credit Card XXXX and to update my file with XXXX XXXX XXXX XXXX with the enclosed letter stating the vehicle was a TOTAL LOSS and paid at the amount of {$25000.00}. 

I received copies of my Credit Reports at the beginning of XX/XX/XXXX from the three Credit Bureaus. According to the reports XXXX and XXXX REMOVED THE REMARKS as requested but TransUnion has REFUSED TO DO SO. 

This information is affecting my CREDIT SCORE and possibly of qualifying for a Home Mortgage.

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 2022-09-14 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: TX

Complaint narrative:
Account has been paid to XXXX balence with XXXX XXXX XXXX XXXXXXXX 's. I am uploading correspondence on this from XXXX. Experian had previously deleted this account as well, yet added it back, which is also a violation. 


Experian needs to remove the 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 2022-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: CA

Complaint narrative:
I have received multiple phone calls from this agency within 2 hour time-frame after confirming my information. I told the agent XXXX to stop calling me then I received another call 1 minute later stating she was going to tell her client I decided not to resolve my account without any conversation about the balance owed. She then transferred me to her manager XXXX agent XXXX and XXXX tried to say XXXX had a right to call back. I explained they were breaking laws of FDCPA. XXXX stated she would place Cease and Desist w/out me stating to do so. I asked XXXX to transfer me to her legal department where my call when then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: CA

Complaint narrative:
DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX  In accordance with 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 also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX is using XXXX XXXX XXXX to contact me without my prior written consent about an unverified debt that is not owed. XXXX XXXX XXXX is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by XXXX XXXX XXXX. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. XXXX XXXX XXXX claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. XXXX XXXX XXXX is committing mail fraud through interstate commerce. CAPITAL ONE has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.

Company response to consumer: Closed with explanation