vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: VA

Complaint narrative:
This complaint was also submitted by telephone to XXXX at XXXX on XXXX XX/XX/2022. The telephone complaint tracking number is XXXX. 



I have been informed by my insurance company XXXX XXXX XXXX XXXX ) that the rates on my home and auto insurance coverage are being increased due to a decrease in my insurance score ; probably due to a decrease in my credit score. My score recently dropped from a tier XXXX to a tier XXXX. 


For several years my credit score has varied between XXXX and XXXX. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. He informed me that my credit score is XXXX and the decrease was probably due to a negative score factor for a non-mortgage installment loan. I informed XXXX that have no loans. He refused to give me any more information unless I upgraded my membership. I refused to do so. 


Checking on-line it appears that Experian is required to identify any sources of negative information. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. She confirmed that the negative score factor for a non-mortgage installment loan is part of my record and initially refused to identify the source. When I pressed her she responded that they are just given the numbers and are not required to verify the numbers or the source. I informed her that I wanted the negative score factor for a non-mortgage installment loan removed and my credit score adjusted accordingly. She refused. 


Both XXXX and XXXX claimed at the beginning of the calls that the calls were being recorded. The above conversations should be easily verified.

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 2022-08-22 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: AL

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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 2022-08-22 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: AL

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 XXXX 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 2022-08-22 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On Sunday XXXX XX/XX/21 I was robbed and the robber was able to access my bank accounts. He sent and spent aprox {$15000.00} - {$20000.00} from my bank account and tried to access other accounts with money in it. I have told the bank and change my passwords as best as I can. I was told I need to call back once the pending transactions go through. This issues was with TD Bank and they tried to access TD XXXX. I also have money in XXXX, empowerment retirement, principal, and XXXXXXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
We were told to summit documents in, XXXX XXXX, XXXX and we did each time were told it's alright the documents, but then told there wrong, blank or have no graduation date which they did have! Asked Sallie Mae if my granddaughter needed to take summer classes if payments would start if she didn't they said she did not and the payments would start if not in school in XXXX we were charged in a month after being told we were miss informed by Sallie Mae ! Over {$900.00} owed and this is incorrect!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 


XXXX XXXX XXXX Account # XXXX Bal : {$6800.00}

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 explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am currently POA for my father who has been in the hospital since XXXX and he is still currently there. I am trying to handle all of his financial obligations. However since I am not recognized as a POA I can not pay on his account.I have sent them all paperwork starting XX/XX/22. I sent a total of 4 faxes to capital One. Each time being rejected for having an incomplete packet. I have fax confirmation letters to show that all faxes were complete. Each time I called and spoke to a representative they told me exactly what I needed. Reason for rejection : 1st time : no address for myself listed 2nd time : no copy of my drivers license 3rd time : cant read notaries signature 4th time : I have a letter saying I am missing the above info still along with missing my occupation. 
I called and spoke to a supervisor ID of XXXX she gave me her personal fax. She reviewed everything I needed in the POA submission which I confirmed I had. She confirmed she got my fax and sent it to the department that handles POAs. She told me 7 days. Today is day 7 and when I called in she stated they are still within their time frame. I asked to speak to a higher supervisor and she stated that they dont take phone calls. I asked if they could call me and she said No, they just support her. So I asked again there is no supervisor I can speak with and you can not call that department. She said that is correct as they do not have phones. She faxes them my packet. I said whos to say they got a complete packet she said she has a fax confirmation sheet. I replied so did I and I am still getting rejected. I asked if there is a grievance policy and form as I would like to make a formal complaint and she replied there is no grievance policy. It was on a recorded line and will reflect she said there is no grievance policy and no way of showing that the department that reviews POA applications actually got the full packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a fraud alert from my credit monitoring services-XXXX XXXX and XXXX with concern that an account was opened in my name for XXXX 's Citibank with a {$500.00} limit on XX/XX/22. As of today, there is no balance being reported on the account. 
On XX/XX/22 I filed a fraud alert with the XXXX credit bureaus and contacted the company.

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 2022-08-22 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: GA

Complaint narrative:
Equifax, XXXX XXXX and XXXX are reporting an account with misleading information. After I reviewed my credit report online these three bureau have two accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureaus.XXXX XXXX and XXXX is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

XXXX Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Status-Closed Account status-Closed Account status-Closed Date Opened-XXXX XXXX. Date opened-XXXX  XXXX Date opened-XXXX  XXXX Account type-Credit Card. Account type-Revolving Account type- Revolving account Highest Balance-None Highest Balance-None Highest balance- {$360.00} Terms- Revolving Terms-None Terms- Responsibility-Individual Responsibility- Responsibility- XXXX EQUIFAX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Status-Closed Account status-Closed Account status-Closed Date opened-XXXX  XXXX Date opened-XXXX  XXXX. Date Opened-XXXX  XXXX Account type-Auto Loan Account type-Installment. Account type-Installment Account Highest Balance- Highest Balance- Highest balance- Terms-68months Terms-68months Terms-68months Responsibility-Individual Responsibility-Individual Responsibility- Original balanceXXXX Original balance-XXXX Original balanceXXXX Past Due AmountXXXX Past Due Amount- XXXX Past Due AmountXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX 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 2022-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
The interest was not was the lender originally discussed. The terms of loan are not what lender discussed. The lender lied about rates and terms of loan. For almost a year year I did not have access to statements. Also the lender threatens to repossess car and continues to call after being asked to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: HI

Complaint narrative:
On XX/XX/29 I have called XXXX XXXX XXXX to settle this debt & paid it in full. 

Once I got the receipt in the mail from them, I disputed the collection through Equifax TWICE with proof of transaction through Credit Card statement as well, and it still keeps coming back verified! Please help me get this deleted. By law through the Fair Credit Reporting Act, I have the right to challenge anything that isnt accurate and I'm needing your help with getting this fixed.

Company response to consumer: Closed with explanation