vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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 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 XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: MS

Complaint narrative:
TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR TRANSUNION AND XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-24 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: MI

Complaint narrative:
Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-10-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX XXXX - {$4300.00} XXXX  XXXX XXXX - {$3100.00} XXXX  XXXX XXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Resources, Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX I provided insurance information. No respond. I requested validation of debt no response. I told them there was a new law that all XXXX XXXX must be removed as of XX/XX/2022 no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Below this summary of issue is my most recent communication with Citizens Bank Re Account XXXX I proactively applied for mortgage assistance - initiated in late XX/XX/2022. 
Prior to any collections proceedings from Citizens Bank. 

The program sent a request for information to Citizens. 

Specifically, requesting the " V-File. '' To date, Citizens Bank has not complied. 
However, they started collections via of payment offers that I did not request. 

Now I am being bombarded with Citizens XXXX Application for XXXX XXXX  XXXX. 

I did not request their help, though appreciated. 

As a result, Citizens seem to deliberately ignore the mortgage program 's request for documentation ( V-File ), which jeopardizes my account and adds a great deal of stress and pressure on me. 

Any assistance or guidance from your office would be greatly appreciated. 

Thank you, XXXX XXXX XXXX ___________________________________________________________________ sent via email according to name and contact information on Citizens correspondence. 

XXXX, ( Telephone XXXX ) Re Loan # XXXX I am bombarded with Citizens Bank documents requesting completed XXXX XXXX  XXXX documents for processing. 

I am unsure where the disconnect is between Citizens Bank and the XXXX XXXX XXXX XXXX I am already using for assistance. 

However, I can say it appears Citizens Bank is ignoring their request for the V-file and trying to force me to use your services, which I do not intend to do. 

Therefore you are intentionally making a manageable situation worse which threatens my stability and continues to cause a great deal of stress and pressure to and on me. 

The account was transferred to XXXX XXXX, Va AFTER I initiated my application with an independent mortgage assistance program. 

I do not intend to use Citizens. Please comply with the mortgage program 's request for the V-file. 

Otherwise, I will have to retain a lawyer to address your refusal to cooperate, which seems to intentionally deny my right to financial support from an agency of my choosing. 

Thank you, XXXX XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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 homeless 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 2022-10-24 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a Chase credit card that has a travel insurance benefit that we tried to use, but Chase would not fulfill the benefit, claiming that there is no record of XXXX XXXX rendered. My partner and I had a trip scheduled for early XXXX booked on the previously mentioned Chase credit card. Unfortunately, my partner ( whom I live with ) came down with XXXX three days before we were supposed to leave and were forced to cancel the trip. We had record of a positive test, a doctor 's note confirming the result, and shared all of this with Chase benefit claims. I also read through Chase 's explanation of the travel insurance benefit, which mentioned specifically that it covered cancellations due to XXXX diagnoses. However, after several months of back and forth ( mostly Chase attempting to escape on technicalities and asking for repetitive documentation ) Chase denied the claim with the explanation of no XXXX XXXX occurring, even though we had the positive test and doctor 's note. It's not clear what XXXX XXXX need to occur anywhere in the description of the benefit and the denial is especially confusing given they mention XXXX as an example of something that would be covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer credit 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 2022-10-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for two billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for two billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about 13-15 years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my credit score. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank claims I owe payment for a security system placed on a house in XXXX Florida. 
I do not own a home in Florida, only XXXX XXXX XXXX XXXX, Pa. I have lived here over 30 years, moved here XXXX after marrying a guy from XXXX. 

I went to a local branch to have them file the fraud report, then to XXXX Police department to file a complaint. Copy of the police report was sent to Citizens, ATTN : ID theft operations at XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; I also called XXXX, as per the Chairmans office request, and told them but they only sent an email which I also forwarded to Citizens. Fax XXXX Since then, I looked at my credit report with XXXX, XXXX, and XXXX and found all three had an address for XXXX XXXX XXXX XXXX, XXXX, Florida as well as my XXXX home address. 

I had to dispute the XXXX address, as well as mispelling of XXXX as well as mispelled XXXX. Also multiple phone numbers, that needed to be deleted. From what I can tell, these are being corrected, although now XXXX supposedly, removed my XXXX address. I uploaded my drivers license and XXXX bill for them to make corrections. So Citizens bank is the business that needs to be aware, my identity was used for a fraudulent purchase, a XXXX security system. 

Citizens bank shared this issue should be resolved by XX/XX/XXXX. All the use of my identity for the said purchase occurred in XXXX of XXXX. What I don't understand is I live in a home purchased for {$50000.00}. I looked up the home is XXXX and its valued at over {$700000.00}. 

I am a retired nurse practitioner. I never made alot of money to own this extravaganze. I don't have security on my home in XXXX. Identity protection is an issue if even the credit reports all have false information. Until now I did not look at my reports but now plan to share this important issue with others.

Company response to consumer: Closed with explanation