vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S. Code 1692j furnishing certain deceptive forms I'm not participating in the collection of this alleged debt. XXXX XXXX XXXX XXXX XXXX cease and desist ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. 
I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX 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 2022-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. Thank you.

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 2022-08-09 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: OH

Complaint narrative:
I have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. Thank you.

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/22 received a CASHAPP XXXX in the mail unsolicited. This is my XXXX one. I have reached out to CASHAPP the other times and they continue to come. I have gotten no where with my previous calls. I asked to speak to a XXXX, and they said they have no control over this, and can not talk to me since I do not have an account. I disagree. CASHAPP/Block sends it to my address, with my name on it. Need to have better oversight. 
I have not activated the cards, and have at least 3 reports to the FTC, and credit warnings activate with credit bureaus. 
Someone tried applying for unemployment benefits over a year ago and I rejected it, since I did not need them. Been working at same company for almost 38 years. 
XXXX  send me cards, and I reported them. 
Someone tried opening accounts from XXXX and XXXX XXXX. Both companies were contacted. I never applied to any of these companies or did business with them ( except XXXX for a couple months when they took over an investment account from XXXX XXXX over 15 years ago ). I did not get anything else from them after reporting. But CASHAPP continues to be a sucker to the scumbags out there trying to take the criminal way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Yet again, Resurgent Capital Services have failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged accounts, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copies of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
As of XX/XX/2022 I had paid on my account to make it current leaving me with a remaining balance of {$2800.00}. On XX/XX/2022 after I added my autopay information Synchrony proceeded to charge me for the total remaining amount, even after I had already paid for the month. Because of this my personal funds went to - {$2000.00} which I had them refund. On XX/XX/2022 after Synchrony reported my account to be current they also reported that my credit usage increased by 83.09 % which is false. They're claiming that because I had my money refunded that my credit usage increased, however my credit usage is the same as it was when I opened my account in XXXX. I have not purchased anything nor have I used any of my remaining credit since opening my account. They have refused to look into the false reporting and are claiming that my account is current, which is true in terms of amounts paid and owed, but they are not reporting my credit usage accurately.

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 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: AL

Complaint narrative:
I received my most recent XXXX XXXX report and noted a collection on the report which is not correct. The debt appears to be in collections with Credit Management Co. for unpaid debt of {$260.00} to XXXX XXXX. I have not not lived in or have any associated in Texas. The recently happened to me with another collection agency and XXXX XXXX in the same state. This appears to be identify theft/fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to droXXXX XXXX XXXX XXXXde 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX 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 2022-08-09 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 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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 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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim to a scam about two weeks ago on XX/XX/2022. I reached out to this girl via XXXX because she was selling a pair of tickets to an event I wished to attend. The first thing I did was ask her for proof. She sent me proof of the tickets by sending me a screen recording of the tickets on XXXX. For various reasons, I concluded that the tickets were real. I then asked her which form of payment would be best. She initially offered to use XXXX XXXX but that did not work out so she suggested XXXX. Before I sent any money, I asked for an updated screen recording of the tickets and she sent it almost instantly. The timestamps were accurate and everything appeared legit. I then asked if I could purchase the tickets one at a time because I wanted to take the extra precaution. She agreed. Right before I sent the money, I asked for another updated screen recording and again, she sent it almost instantly and everything appeared legit. I then sent the money to the email she provided. The first transaction was of {$280.00}. I then waited for her to transfer the ticket. She asked for my XXXX information and proceeded to transfer the tickets. She then sent me a screenshot of the XXXX website which stated that she was not able to transfer just one ticket because the two tickets share a barcode. She would only be able to send the tickets as a pair of linked tickets. Seeing as I had already sent the money for the first ticket and the screenshot appeared legit, I agreed to send the money for the second ticket. However, after I did and I sent her confirmation of the XXXX payments ( two separate transactions of {$280.00} ), she began to respond with less frequency and I still had yet to receive the tickets. I then messaged her multiple times and she wouldn't respond. I asked for my money back and she didn't respond. She then blocked me. I immediately called my bank to dispute the charges seeing as it was a scam. My bank is Chase. They told they would be unable to issue me a refund because I authorized the payments. They however said they would file a claim for XXXX and see what XXXX could do. I received an update and Chase has said they will not be able to give me my money back and that I should reach out to the merchant. This is not a solution seeing as the " merchant '' is a scammer. My friend has also been scammed in a similar manner, also via XXXX, and she was able to get her money back so I don't understand why I am not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Request for loan assistance denial Selene Loan # XXXX XXXX XXXX RE : Property Address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Selene Finance is engaging in Mortgage Service Abuse, Unfair Business Practices, BREACH OF IMPLIED DUTY OF GOOD FAITH AND FAIR DEALING, VIOLATION OF B & P CODE 17200 ; Dealing in Bad Faith with deceptive and misleading practices. 

Selene issued the attached denial for loan assistance by XXXX XXXX for her home at XXXX XXXX XXXX XXXX, CA XXXX dated XX/XX/2022. 

The letter states Below are the loss mitigation programs for which you have been evaluated, along with our determination of your eligibility. 

There is no indication in the attached denial that the borrower was reviewed for any home retention programs available. Please provide a document that shows all types of modification programs Selene Finance offers, or that this Investor has offered. 

We demand that Selene Finance and this Investor provide the NPV inputs, income and property value used, and the method used to calculate these values for all scenarios in this denial. 

Furthermore, the homeowner is offering a good faith payment of {$15000.00} to lower the principal balance to achieve an acceptable PITI payment

Company response to consumer: Closed with explanation