vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: TX

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 explanation
Consumer complaint received 2022-07-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX  XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX 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 explanation
Consumer complaint received 2022-07-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, my husband XXXX XXXX was approved by XXXX XXXX for 2 loan, 1 of XXXX and the Second of XXXX XXXX that was made in 2 deposits and both were deposited to the Citibank Account, when we went to the Citibank branch of XXXX XXXX to withdraw cash. XXXX XXXX asked to identify ourselves, so we did, after more than 25 minutes of not having a response from them, we left the Bank, later we try to withdraw money from the bank and they told me my account was blocked, I went to the branch located on XXXX, in XXXX XXXX, CA. they told me the account is going to be closed they did not explain why they just said you are going to receive a letter explaining why. My husband and I call customer service to know the reasons why they closed it, they did not said why this person was very rude We asked for information about the money that was in the Account, and they only told us that they would send us a letter explaining everything and that they would send us the money by check. 

From the month of XX/XX/2021 to date XX/XX/XXXX, and after several visits and calls to Costumer Service of Citibank have not given us an answer about the destination of the XXXX loan, they only indicate that as soon as they have a response, they will contact us. 

The last thing we knew was that the Account was put in Hold for fraud, which does not exist. They did not proved we committed any fraud since the beginning we identified ourselves and they themselves verified calling XXXX. We explain about that the loan, my husband XXXX XXXX met all the requirements for the XXXX loan. to be a creditor to this loan he met all the requirements for this loan application. 
From XXXX to this date my husband has been checking with XXXX if the money has already been returned to them to be redistributed to the new Bank Account, however the response has been that Citibank has not returned the money to them. Nor have they returned to us, and we don't have any statement or notice about this XXXX For this situation I ask you to be so kind to be able to help us solve this situation since the lack and refusal of responses from the bank indicate that they can act with all impunity and not give a response.

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 2022-07-11 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: CITIBANK, N.A.
State: VA

Complaint narrative:
CITI BANK DECREASED MY CREDIT LIMIT FROM XXXX TO XXXX XX/XX/2022. STATING THE REASON FOR DECREASE WAS DUE TO INFORMATION OBTAINED FROM MY XXXX CREDIT REPORT, BALANCE INCREASING ON ONE OR MORE ACCOUNTS WITH THEM ( ONLY ONE ACTIVE ACOUNT WITH THIS COMPANY ) AND MISSED PAYMENTS WHICH IS NOT ACCURATE I HAVE NO LATE PAYMENTS AND NEVER MISSED A PAYMENT. I SPOKE TO SEVERAL PEOPLE FROM CITI BANK MOST SAID WAIT FOR A LETTER, ANOTHER REP WITH CITI BANK TRIED TO REINSTATE MY CREDIT LIMIT RECIEIVED A LETTER AND I WAS DENIED, ANOTHER REP TOLD ME TO CALL XXXX I DID THAT AND THEY SAY THEY SAW NOTHING WRONG WITH MY ACCOUNT. MY CREDIT HAS SINCE DROPPED XXXX POINTS AND I HAVE OBTAINED A CREDIT REPORT WITH XXXX. YES I DO USE THIS CARD AND HAVE A BALANCE.

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 2022-07-11 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: TX

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 719XXXXXXXX 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 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: HI

Complaint narrative:
I requested and was granted by SeedFi a payment accommodation ( deferral ) plan in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. SeedFi reported me late to the credit bureaus adversely affected my credit. SeedFi was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. SeedFi was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. SeedFi failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Servicing was transferred including escrow XX/XX/XXXX. All tax and insurance including Flood information was included. Flood Ins was due XX/XX/XXXX. The bill was sent to the original servicer because the servicing transfer was not processed correctly. Neither the original servicer or the current servicer notified the Flood Insurance company of the change. Both are at fault and are violating the servicing transfer regulations. I have attached a copy of the pending bill that shows the original servicer still being listed that was provided to me yesterday by the Insurance Company. Last week I received a letter from my current servicer threatening to force place insurance if I did not " quickly '' provide evidence of insurance. I understand that my current servicer did not receive the bill and that my previous servicer should have forwarded it. I also know that the money to pay the bill is in my escrow account. My complaint is that I have contacted my current servicer, I was able to speak to an individual who sent me to the wrong department and then I was sent to another wrong department and they directed me to file a " Help ticket ''. I tried to " Chat '' that doesn't work well either. The press this number automated system is not built for a situation like this and I spent over 2 hours calling different numbers to help them resolve what is their problem. I have attached the response I received from the " File a ticket '' that I was directed to and that comes up when you select " File a Complaint '' on the website. The response says that they can take up to 7 days. I didn't get 7 days in the demand letter they sent to me. Meanwhile, I have no Flood Insurance coverage and according to the demand letter they will take something like {$2200.00} from my escrow account for the force placed insurance while my current policy is {$620.00}. I believe they will respond to you much faster and probably provide you with a contact. I only get a contact if I want a new loan. Appreciate your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX placed a collection on my and my father 's credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.

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 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: HI

Complaint narrative:
I requested and was granted by Onemain Financial a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. On two different occasions Onemain Financial reported me late to the credit bureaus adversely affecting my credit. Onemain Financial was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Onemain Financial failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
This is in regards to fraudulent charges in a Union Bank credit card account. 

1. XX/XX/XXXX I was made aware of a " late '' fee on this Union Bank account for a card which I had never activated or used. I then viewed various transactions that I had not initiated ( see below ) : Transaction History for XX/XX/XXXX Transactions XXXX XXXX XXXX Date Transaction Description Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX GA {$43.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$170.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$44.00} Total {$850.00} XX/XX/XXXX XX/XX/XXXX 3 % XXXX XXXX XXXX {$5.00} Total Fees This Period {$5.00} I immediately contacted Union Bank and filed a fraud complaint, as I had not made any of these charges. 

XXXX. XX/XX/XXXX I received a letter from Union Bank fraud department acknowledging a fraud dispute had been opened, and to await further word by mail as to any conclusions. 

3. XX/XX/XXXX I received a letter from Union Bank fraud department in response to the fraud claim. However, the amount forgiven was only {$29.00} ( actual total was $ XXXX at that time ). 
I then made several attempts to contact the person listed on the letter, and could not get her on the phone, and her voicemail box was full. 

4. Time between XX/XX/XXXX- Present I contacted the fraud department 2-3 more times and re-initiated the fraud disputes, again with promise to be responded to by mail, but have yet to receive any further response from the fraud department. 

The company closed my account ( involuntarily ) resulting in an immediate XXXX point drop in my credit score, due to reducing my available credit. 

The " Collections '' department continues to make attempts every few weeks to collect the " balance, '' with no coordination between them and the fraud department, and no additional information provided to me. 

5. According to the latest statement, with due date of XX/XX/XXXX, the current " balance '' is {$1000.00}. ( Again, for a card I never used, and charges I never initiated.

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 2022-07-11 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  month XXXX  days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry po box XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-11 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: TX

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