vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX. Account XXXX : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX TEXAS. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MO

Complaint narrative:
I've had chime for XXXX now and I signed up for their credit builder card thinking it would boost my credit. It wasn't til I looked at my credit account that I saw that chime is now saying I OWE THEM almost 900 $ WHEN IVE NEVER BORROWED ANYTHING FROM THEM! Yet on my credit report it says I'm in the whole by XXXX XXXX I've called and canceled the credit builder account, but I told them I'm not paying something back that I NEVER borrowed. I'm always putting money INTO THE ACCOUNT. So how am I negative?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX, I attempted to use my Apple Card to pay for a {$36.00} charge. I received an " over spend limit '' message and the card was declined. I checked my credit usage ; I had a balance of {$5200.00} with a {$10000.00} credit limit. I had already paid {$5000.00} on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX. 

When I tried to reach Goldman Sachs, which handles Apple Card, I was put on hold. I tried using the chat function. I was on the chat function for nearly two hours. The third person who " assisted '' me texted that I can not use my card until XX/XX/XXXX when " the payment will be released. '' She said that she " attempted to release the payment '' but was " unable to release the payment on my end. '' They have {$5000.00} of my money but won't apply it to my account until XX/XX/XXXX. Until then I can't use my card. My daughter in college, who is a participant in this card, can not use the card. All scheduled transactions on this card, including medical bill payments, will be denied until XX/XX/XXXX. 

I have always paid my credit card bills on time. I have a credit rating of 800+.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
After XXXX treatment in 2019 I entered into a global pandemic. I was denied all aid from Iowa ( some doctor in Iowa XXXX abrogated XXXX XXXX suggestions of recovery and denied me-twice ). So I got an email from one main financial. I called them and they would approve me for a loan if I gave over my title. I was 6 months behind in my car payment and worked out a deal to settle. One main paid the balance and took the title. I was defiantly a bad choice and they gave me 33 % interest. I had only had a job for XXXX month and was fired XXXX weeks after the loan processed. They did not qualify my work history or even check to see if I had any money. They had me in and out and just kept saying just hit approve. I was seriously drugged on anti-depressants and really had no clue what I was doing. The car had a dead battery and they asked me for photos over a year old to use for an odometer reading ( they didnt care that the car was not functioning at the time-they just wanted the title ). Well I was unable to pay it off and XXXX weeks ago I was sued in small claims court. I didnt understand how to use iowas online system ( much to my chagrin the Iowa courts said I should have gotten a lawyer and that there is nothing I can do. I could try to appeal. However, now that Im 3 year post XXXX treatment and not under 6 months like when I signed my life away I can see how they saw me coming. They offered to get me a taxi to get me in the office. I explained I was a post XXXX treatment patient and needed help with the paperwork. They sped me through as fast as possible. 

I know I cant do much now ; I was totally taken advantage of during a time of duress. I was under XXXX months of XXXX treatment at the XXXX and they suggest 3 year of recovery. Which is now. I got taken for a fool at a time when I was unable to make clear choices and these folks did everything they could to get me sign away. They are predators and now that Im able to think clear ; I can see how deep they took me under. 

Shame on them ; shame on me for having XXXX. I cant believe how much they took advantage of me in a global pandemic. With my clear head, I never would have agreed to 33 % only have a job XXXX weeks prior to obtaining a loan. One main is a shameful company and I think this agency need to investigate how they practice. Post XXXX treatment me is still awed by how much they too me for a ride. They knew my car was not paid for months, yet by holding the title they knew I was not going to be able to pay them off ; they committed many crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

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 more then 48 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
YOUVE VIOLATED MY CONSUMER RIGHTS, HOW DARE YOU SAY MY APPLICATION IS DENIED XXXX. FEDERAL LAW SUPCEDES YOUR POLICY AND PROCEDURES. CONSUMERS ARE ALWAYS CORRECT. IF YOU DO NOT FOLLOW FEDERAL LAW I WILL HAVE TO TAKE LEGAL ACTION AGAINST YOU 15 USC 1691 ( K ) .READ ATTACHTMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
This account was opened fraudulently. The scammers had my mail forwarded to make it seem as if I actually requested for credit. They used a fake ID and fake documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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:
XXXX XXXX XXXX Reporting date XXXX. XXXX, 2021 Amount {$120.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this 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 2022-10-23 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: FL

Complaint narrative:
I opened a complaint XXXX explaining that someone broke into my home & took my personal information and now has been trying to open accounts in my name. I have called Transunion they hang up and constantly tell me something different every time I call. I have been hung up on XXXX rep say they got my information then another day they never got anything from me. I need help to get these inquiries that I did not apply for removed. Please remove these XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. You sent me a letter stating that some of the information I gave you suggest that someone else submitted the complaint on my behalf but that is not true. I submitted this complaint & I am again asking you to help me get this information removed from 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 2022-10-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
You've Violated Me as A Consumer. Where you all have discriminated on me and sent an adverse action to me off of my credit report. FEDERAL LAW SUPERSEDE Your COMAPNY POLICIES AND PROCEDURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, I have fraudulent charges reported to the Citi Visa Card and no actions were taking by the card issuer. I did report stolen credit to the CITI back in XX/XX/XXXX, also police report was filed with the local police department and somehow charges for {$16000.00} still listed on the statement. Please see those charges below : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 monetary relief
Consumer complaint received 2022-10-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have Sent my first letter on XX/XX/2022 to Experian to investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 

I did not receive anything back that they investigated this. 

I since then sent a demand to comply letter. 

Also with no reply. They are not complying with regulations based on my request for an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: IL

Complaint narrative:
my credit score dropped XXXX XXXX on XX/XX/22 due to my balance decreasing isnt this false tell me why my scoe went down or is it punishment on your part for me complaining

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