vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  for " XXXX XXXX XXXX XXXX' Account # 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 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an automaic transfer that keeps getting taken out of my account that I can't undo online. Online tech support said I needed to call the bank directly to get it taken care of. I originally contacted Chase to cancel my automatic transfer on XX/XX/XXXX The transfer still happened again XX/XX/XXXX. So I called on XX/XX/2022 to find out why it still was taken out. And was transferred several dozens of times and on the phone for about 3 and a half hours to get it resolved. They gave me a ticket number that day of XXXX. 
The transfer happened again XX/XX/XXXX. So I called and they said the ticket was still open and nobody has resolved it yet. 
On XX/XX/XXXX the bank called me saying the ticket was resolved. But the transfer happened again today XX/XX/XXXX. 

I am currently 30 minutes into getting transferred back and fourth with Chase still without any hope for resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 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 2022-06-07 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 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 2022-06-07 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-06-07 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX, XX/XX/XXXXAccount # XXXX, XXXX Account XXXX XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXX Account # XXXXXX/XX/XXXX Account # 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 2022-06-07 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 # 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 : its 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 non-monetary relief
Consumer complaint received 2022-06-07 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 # 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 : its 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 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I have this debt with the XXXX but i have a payment plan and I never fail to make a payment. This company I tried to explain to them regarding this issue and they don't let me to talk the scream to me and also used profane words to me they don't let me talk, they make me feel that I am a criminal. The name of the company is Phoenix financial services. the date of service was XX/XX/2018 owned amount {$490.00}. the hospital name is XXXX XXXX XXXX XXXX XXXX current creditor XXXX XXXX XXXX XXXX. I don't own this amount I already paid that amount with the hospital, and they don't want to listen and give any fax number or email where to send the evidence. They reserved to be demanded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: ID

Complaint narrative:
On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the XXXX credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

Experian first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX XXXX XXXX. I also informed the Experian reps that I was not able to reach a support person from XXXX XXXX / XXXX with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The Experian agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, Experian 's online system for submitting paperwork ( www.experian.com/upload ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND XXXX XXXX XXXX but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX Bank and they were also not able to reach a person by calling in. 

XXXX / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And XXXX XXXX CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.

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 2022-06-07 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 2022-06-07 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: MI

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 2022-06-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that estoppel hender americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. 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 explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: WA

Complaint narrative:
I am getting repeated phone calls from company ASG XXXX stating I owe Debt and that they are contacting me or my lawyer. No letter to home showing original debtor from this company or any amounts or account balances owed. When researching the company ASG online prior to contacting them. I found articles warning they are a Scam company and it advised to not call or contact company as they are fraudulent debtor ( even to not visit company website ) The last number calling me was XXXX at XXXX in WA XXXX XXXX and XXXX. They are always pre-recorded or computer generated messages.. 

I am fearful to contact this company due to my findings and putting my self in a position of fraud but understand that if the company is a valid institute any claim of debt is my responsibility.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022 I did a balance transfer from Citi Rewards credit card in the amount of {$1500.00} to pay off a high interest credit card and within a few days saw that it was not being applied to to the card intended. I have called customer service at Citi and chatted on line with them since day 3 of the transfer and can not get any resolution from them on this matter. I myself with what information I could get from them about where the money went to have tracked down the money and spoke to the controller for that company which is a Rental Mgmt Company and she has tried to help but Citi Rewards will not call her or send her the information she needs to pull the money from a " quick pay lock box for one of their tenants which by the way has verified to her that the {$1500.00} is not his money. This lady says she needs to speak to the Citi that made the transfer to get proper documents to resolve this but Citi has not made any attempt to call her or email her to resolve this. I have given them her name, email and phone number ( including the name of her tenant they incorrectly transfered the money to ) numerous times and nothing is done by Citi. I am lost at anything else I can do. I have been Calling and chatting with them for almost 2 months now and get nowhere.

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 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, COMENITYBANK/WAYFAIR called my wife 's number to attempt to collect a debt from me. They had already been informed that they should not be calling me or my family ( I have filed a complaint separately for that issue ). 

When they called me on my wife 's phone, I spoke with the COMENITYBANK/WAYFAIR representative XXXX The representative told me they were calling to see if I wanted to avoid a lawsuit and which would ruin my credit. They said that though they had record of being requested to not call me, they wanted to attempt to give me the opportunity to avoid bad credit from losing the lawsuit they were about to file. The representative proceeded to make statements such as " So you want to ruin your credit? ", " So you want to lose in court? ", " So you would rather us file this lawsuit and ruin your credit? ". The representative repeated the same sentences regardless of my response, until I finally disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 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: CA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  for " XXXX XXXX XXXX '' Account # 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 non-monetary relief