vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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 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 non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 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 2022-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My complaint is with CaptialOne Saks Fifth Ave. 
I first noticed fraudulent activity on XX/XX/2022, when there were inquiries on my credit report, but I had not recently applied for credit. I promptly initiated a credit freeze with all three credit bureaus and began working with an ID protection company. The Restoration Specialist and I have made several calls to CapitalOne to seek resolution to the fraud. A detail of events is below : I received a letter dated XX/XX/2022, stating that I was approved for a CapitalOne - Saks Fifth Ave credit card for {$3000.00}. I did not, nor have ever, applied for credit from Saks Fifth Ave. 
On XX/XX/XXXX, I called CapitalOne, along with my Restoration Specialist, and we spoke with XXXX. I was told the Saks Fifth Ave account was opened but " immediately suspended for suspicious activity '', that the account would be closed, and the credit bureaus would be notified to delete the inaccuracies in my reports. 
On XX/XX/XXXX, I noticed in my credit report that the Saks Fifth Ave account WAS opened, and someone had made fraudulent purchases on the account. We called CapitalOne again, first speaking with XXXX who told us the Saks Fifth Ave card was approved, but a XXXX XXXX card was declined. ( Note : I did not apply for either ). We then spoke with XXXX. I repeated the information about the fraud and requested the account would be closed ( as we thought it would be after the first call to CapitalOne ). XXXX said CapitalOne would initiate an investigation and that I may receive a call from a fraud adjuster to provide more information. ( This call never came ). 
On XX/XX/XXXX, per the advice of my Restoration Specialist, I filed a local police report to have official documentation of the fraudulent activity. 
I received a letter from CapitalOne dated XX/XX/2022, stating CapitalOnes investigation was complete and deemed that I would be responsible for charges totaling {$2800.00}. The reasons stated were : We received signed documents, dated prior to the date of your fraud claim, acknowledging this account is valid and Activity on the account indicated you opened an interacted with this account. I have never received copies of such signed documents, and I have never made purchases using the card -- any interaction/purchases on the account are fraudulent.

According to my credit reports, the CapitalOne -Saks Fifth Ave account was closed with the outstanding balance {$2800.00}. 
We intend to call CapitalOne again to request they re-open the fraud/dispute investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: MI

Complaint narrative:
I have reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my XXXX XXXX from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.

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 2022-08-19 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: MI

Complaint narrative:
I have reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXXXXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX  for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my credit score from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.

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 2022-08-19 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: CA

Complaint narrative:
I filed a dispute in regards to a Public record US BANKRUPTCY COURT CASE # XXXX TRANSUNION DID NOT PROPERLY INVESTIGATE THIS INACCURATE FILING.. ENCLOSED IS A LETTER FROM XXXX XXXX STATING THIS IS INACCURATE AND NOT REPORTING.. BUT TRANSUNION CONTINUE REPORT INACCURATE 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 2022-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I was on the platform XXXX XXXX which gave me an alert that I may qualify for a personal loan to you know pay down debt Make a big purchase an alert told me I had a very good chance based on my credit score of obtaining a small personal loan. I am awaiting my employer to pay me for work that I have done but I just needed a little help financially waiting to that point of being paid. I thought, well this sounds easy enough lets try it.

I went through the entire process spending hours putting in my information, lifting my freeze on my credit report, providing lots of documents like my bank statements.. like they wanted the full bank statement not just deposits and credits and debits portion they wanted an itemized bank report My license oh my tax return a lot of personal information like and Im feeling very uncomfortable right now that I went through this whole process I was even told that I was preapproved and then their final decision they came back and said I was denied because they could not verify my employment. Please tell me how you can not verify employment with all the information that I gave them!!! they basically have my whole data file in their servers now ready to sell to someone else Im sure like this seems like a huge scam and it needs to stop its not OK to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 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 2022-08-19 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: MD

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 XXXXXXXX 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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi has taken adverse action against me as a consumer and they have violated the Equal Credit Opportunity Act, 15 USC 1691c and pursuant to civil action liability under 15 USC 1692k and are subject to criminally liability as well due to the adverse action letter I received. 
I completed an application in good faith for the Citi Diamond Preferred XXXX but credit was not issued. My social security card ( credit card by definition under 15 USC 1602 ( l ) was used and I received no benefit. This is proof of fraudulent activity, unauthorized use of credit card, Citi failed to make any reasonable procedures to resolve this matter, all I received was an adverse action letter, which is attached to this complaint. This is a clear and standard daily practice of Citi. This has harmed my credit report and Citi released nonpublic personal information to the consumer reporting agencies as 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 2022-08-19 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: RI

Complaint narrative:
In accordance with the 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 an 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 explanation
Consumer complaint received 2022-08-19 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: TN

Complaint narrative:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TN

Complaint narrative:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2022-08-19 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: NY

Complaint narrative:
Delete the following unverified accounts immediately 1. XXXX XXXXXXXX Acct # XXXX Verify this account This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. Please provide method of verification, and original documentation proving this account. 
a ) Promptly delete that item of info from the file of the consumer. 

2. XXXX XXXX XXXX # Number XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account. 
Promptly delete that item of info from the file of the consumer. 

3. XXXX XXXX XXXX Acct Number # XXXX XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account. 
Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e

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 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion you did not remove this account when it was first disputed from my credit report that is a clear violation I request a reinvestigation under the U.S.C. codes enclosed I want names contact information a copy of original contract not a letter with nothing on it Enclosed is my written request by law this is required also while this is being reinvestigate by law it can not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
XX/XX/2021 to current every 30 days i have disputed and they will not fix the problem even though been taken off other two reports now they just keep updating it and not removing it even though it's not correct info and it's for something i do not owe and have submitted proof i have paid and proof email communications proof my other reports removed the collections this is severely affecting me getting approved for rental property im about to be XXXX  over incorrect info on my credit report money i do not owe and they will not remove from my credit

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