vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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 XXXXXXXX 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  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-01 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  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 Bum. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity bull SOP for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.

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 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit card inquiries found on my credit report x 3 different occasions- XX/XX/21, XX/XX/21, and XX/XX/21. I have never attempted to open a Capital One account therefore this is fraud. I recently experienced this same fraud issue with a different credit card company ( was reported to XXXX who performed investigation and in fact determined it was fraud ) so I know someone has been attempting to open credit cards under my name. I did report issue to Capital One and was told that they could not do anything at this point due to the fact that the accounts were not opened ( only attempts made ) and instructed me to report this issue to all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC
State: LA

Complaint narrative:
XXXX XXXX has called all of my family members and divulged to them that I am in some sort of legal trouble. They told my daughter who is away at school I was going to prison if I didn't call them. When I called them and asked them to provide written proof of the debt owed they refused to do so. I have never been notified of a judgement and now after calling my office numerous times and being told not too they are threatening garnishment of wages. They still call an office I am no longer working out of. Finally they are telling me it is for a payday loan called Bridge Lending. I only did business with them in 2018. First, my records show the loan was paid in full. Second, the state of LA has three year rule making this debt out dated and they need to stop harassing me and my family. These tactics are unacceptable, heavy handed and very stressful. The latest number they is a XXXX, but they also have called from XXXX, numerous 800 numbers, etc. You never talk to the same person and they are always rude and disrespectful and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had a checking account with Navy Federeal Credit union for XXXX  Months. I have added a car loan and a credit card account. On XX/XX/2022 My app where I make payment for my vehicle, credit card payment was shut down. I am not able to make payments. 

On XX/XX/XXXX XXXX I immediately called customer service and assisted me with what documentation I needed to submit. ( Proof of Residfence- Car registration, proof of I.D- XXXX drivers license and was requested to submit Form XXXX. I submitted all mdocumentation and form XXXX. An email was sent to me once I submitted all documentation stating give Navy Federal 5 business days to process. Today is XX/XX/2022. 

I have called customer service 3 times and all reps confirmed I have submitted all documents needed. Every time I am transferred to security department, all 3 times no answer from security department and I am unable to leave a message. I would like to get this matter resolved before my car and credit card payment are due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I have requested my account to be closed and funds be sent to me. Company has yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against CAIN & WEINER AND XXXX. 

CAIN & WEINER AND XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to CAIN & WEINER AND XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND to delete this account/item within 4 business days CAIN & WEINER AND XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) CAIN & WEINER AND XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
I had opened a college account in Wells Fargo XXXX in XXXX as a recommendation of my XXXX student ; : s program at XXXX University. Since I came back XXXX XXXXXXXX I decided to keep my account open free for transactions. For years I ; : ve kept the account with no activity or funds becoming dormant. In XXXX XXXX  XXXX to reactivate it, Ive sent a letter with updated personal information to Unclaimed Property Department of the bank with copies of passport, social security number, payment checks, all documents asked as the instruction process. Wells Fargo promptly reactivated my account and I was free to use it. Even thought my debit card was expired and I didnt receive a new one on my billing address, at that time I could access my account from online banking. However, since XXXX after I made a transfer of XXXX dollars from XXXX to my checking account at Wells Fargo, with the intent to transfer to another XXXX account, my XXXX checking account. After that, all services were blocked and I didnt have access to my funds. In those XXXX years Ive tried to solve this situation by phone. Ive tried to buy an XXXX XXXX XXXX, to register an XXXX phone number to be verified, to ask for a cashier 's check in my billing address and any other possible solution. Today in contact with WF costumer service I was notified that the only way to access my funds was going to a branch personally, which is impossible for me right now living in XXXX. My account is completely blocked without a reason. 

For this reason I'm respectfully asking for XXXX bank regulator your intervention.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchase at XXXX XXXX XXXX furniture store on XX/XX/XXXX. This purchase was made with no interest with an equal amount of payments. The promotion expired on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

I made an additional purchase from XXXX XXXX XXXX furniture store on XX/XX/XXXX. This was a deferred interest with payment, expiring on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

As my promotionalTD Retail Card Services XXXX XXXX XXXX  was going to expire, I had an accrued interest of {$490.00} on # XXXX. I called TD Retail Card Services toll free number XXXX a number of times, and was repeatedly told ( on a recorded line ) that there was no way for me to direct a specific payment to the expiring promotional sub account. 

I was placed in a situation of either paying off the entire account ( both purchases ), or my deferred interest was going to post to my account. I felt coerced, and paid the entire balance off of {$2400.00}, as it was evident to me that their business model is to force the consumer to have that the deferred interest post to the account. 

I complained to XXXX XXXX XXXX also, since their corporation made me, the consumer, deal with the finance company that they choose to do business with. Nobody was willing to do anything to address this, and I hope you can, as I am now short on cash as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 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: SC

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint against Equifax Information Services, LLC. There is no third party involved in this complaint. I am demanding that Equifax Information Services, LLC provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Equifax Information Services, LLC provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Equifax Information Services, LLC has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Equifax Information Services, LLC have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Dear [ Debt collector name ], I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX ], on [ XX/XX/XXXX ] and identified the debt as [ blu XXXX XXXX ]. I do not have any responsibility for the debt youre trying to collect. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, [ 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Someone used my identity and a fake email address to approve a credit line for {$3000.00} with ACIMA Bank which was used to purchase jewelry. The credit card company ACIMA requested that I submit a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They called me about some debt I do not have. Called all my kids and my husband saying they were going to issue a arrest warrent if we dont pay by today. Called from a XXXX number saying Bank of America on caller id, I have never used them. but tells you to call XXXX which no one answers and just empty voice mail. They upset family members with their threats.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MN

Complaint narrative:
Hello, On XXXX, I received a collection notice from XXXX trying to collect a debt for XXXX. I wrote back to the company on XXXX and advise that I did not owe the debt and desist from further collection. On XXXX, I received the exact same notice and wrote again advising the agency that I would like them to valid the debt. On XXXX, I pulled a copy of my credit report and they have place the collection notice for this debt on my credit file, eventhoug I repeated wrote back disputing the debt and the amount. 

I would personally like to start a class action suit against this company and would like your recommendation. 

Please find the attached documents as proof of my numerous attempt to resolve this problem. 

Kind regards, 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2022, I applied for a loan through Oportun/XXXX XXXX I was approved for the loan in the amount of XXXX to be issued in a form of a check within 10 business days through the mail. I signed a contract on XX/XX/XXXX. XXXX and payments were to begin on XX/XX/XXXX of XXXX. I called on XX/XX/2022 to get a staus of the check and was told check had been issued on the XXXX XXXX. XXXX  and the check should be recieved by XX/XX/2022 through certified mail. The check did not come and I called customer again on XX/XX/2022, and was told that the check was sent out of XX/XX/2022 through regular mail, and it takes 10 business and I should have received check already. I waited unitil Monday XX/XX/2022 and still no check. I call again on XX/XX/2022 and explained I was given two different dates the check was sent out, and I had not received the check. The rep stated he saw in the records that two different dayes was given, and he would get with a supervisor. The rep state supervisor will escalate the matter and see if they could track the check, and I would receive a email on the tracking of the check in two days, and I should be receiving the check before Friday XX/XX/2022. I have contacted customer again, on XX/XX/XXXX and still no help. I have resquest for loan to be canceled due to none funding of loan. The rep stated I would have to call back in 7 business days to see if loan would be canceled. It has been 3 weeks, and I have not received the loan money in the XXXX for the contract that was sign. I am looking to take legal action for Oportun 's unethical behavior of agreeing to issue a check with a sign contract, and did not follow through with agreement. At this point, its been pass the 10 business days, and I wish for the loan to be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: N.A.R., Inc.
State: UT

Complaint narrative:
NAR contacted me for the first time on XXXX, I was at an appointment, they called twice in a row and left no message. They then called my boyfriend 10 minutes after calling me and when he said to contact me they contacted my neighbor. None of whom were listed on my debts

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 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a XXXX Credit Card. 

I have been reported by XXXX for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 

I was reported to have missed XXXX payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

XXXX reported my account as having missed XXXX billing cycles. XXXX for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop.

I have spoken about this to them 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 non-monetary relief