vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried buying clubs from a private seller via XXXX, once I paid the total in full ( {$550.00} ) the seller stopped all communications. I tried disputing this with Chase and they said they more than likely would not return my money because it was authorized. I did not receive the items I paid for, nor did Chase open a case like I asked them to. I have tried reaching back out to the seller, but they have since removed their profile from XXXX, which is the app I was using. I have attached proof of what was supposed to be sent and the screenshots depicting everything I described

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX  XXXX  XXXX, XXXX XXXX, or XXXX  XXXX  to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and 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 2022-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute with Experian on XX/XX/2022 for XXXX XXXX account-XXXX  because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that Experians reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called Experian to find out more about the investigation and I was told that Experian does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by Experian over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.

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 2022-08-23 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IN

Complaint narrative:
they keep calling me about a 10 year or older debt that I have repeatedly told them is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Madam, Hereby we ask to effect payments mentioned below and send funds to the beneficiaries or return these transfers to our account. 

XXXX XXXX has made transfers : - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 from our account in XXXX XXXX. 

At the moment the beneficiaries didnt receive these transfers, also XXXX XXXX didnt receive these transfers back to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
Magazines from Montgomery Ward/ Swiss Colony/ XXXX XXXX ( all the same company, but with different names ) was being sent to an old address I haven't lived at since 2008 with my name on the magazine. Someone committed fraud and was able to order items from the magazines using my name pretending to be me! This could have been prevented by verifying up to date information and not randomly sending out magazines with my name on it, giving random ppl opportunity to commit fraud by just ordering stuff. 
The unpaid balance has been reported on my credit report. The situation resulted in my credit score going down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX  XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and 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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
OnXX/XX/2022 I noticed that my main checking account was locked for no reason at all. Direct deposits and transfers have been failing to and from my accont. In this account I have {$2100.00} and have failed to get another {$1800.00} approx in deposits because of it that would have gone into this account automatically. 

I called an spent 2 hours being transferred around by Wells Fargo as nobody seemed to understand what the problem was. I then went into the local Wells fargo branch and after about an hour of the manager calling around trying to figure out the problem, they came up with an old investment I had maybe for 20 years that needed to be updated that was linked to my checking. I do not use that account and I thought it was closed. There is no money in it, and nothing is owed. The only reason they had both accounts locked is because it needed personal information updated. The manager took my information, updated it and said it would be fixed in 24-48 hours and it was not. I then went back to that branch again and he spent another hour on it with he same problem nobody could fix it but they said it would then again take 24 to 48 hours. All this time my transfers and direct deposits have been bouncing and my Mortage payments are late. 

So the first branch then sent me to another branch who had access to that part of the business and they told me it would be resolved in an hour, then 24 hours then 48 hours. It was not. I went back to that branch and I got the same line again that it is being worked on but nobody can work on it. I the mean time I can't pay any bills with that money. I need my account release immediately. Today is XX/XX/2022 and it still is not resolved.

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica
State: MA

Complaint narrative:
I received a Direct Express card over a year ago on behalf of my daughter, for Social Security benefits due to XXXX. I want to transfer the balance into her bank account, but when I try to do this using their automated phone service, I receive an error message saying it can not be completed, and no other information. I have tried several times. When I call them to try to speak to a person, the wait time is endless and I am never connected to a person. I have tried to transfer the money using their online system and it simply does not work. It looks like the transfer is pending but then nothing is sent and no error message is received.

Company response to consumer: Closed with explanation