vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: GA

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 more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. 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 XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please 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 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Summary : Wells Fargo Bank denied my credit card application because I did not submit a telephone number to receive messages from them, after their representative told me I could apply without doing so. The representative and her superior later identified the lack of telephone number as the reason for denial. I was sent a false letter by the Bank giving me a deadline to agree to submit the telephone number, when the application had already been denied when the letter was sent. This denial is the first I have ever received over 35 years of using credit cards, and will damage my credit score. 
XXXX XXXX, XXXX : Applied for XXXX card after receiving promotional in the mail. Provided all information in detail, but refused my cell phone number for privacy reasons. Representative said the application could be made without it. 
XXXX XXXX, XXXX : Date of letter from Wells Fargo telling me I had until XXXX XXXX, XXXX to provide my cell number for the application or it would be rejected. 
XXXX XXXX, XXXX : Date of my receipt of that letter. I called XXXX immediately and by chance got the same representative, " XXXX '', as on the XXXX XXXX call. I asked to cancel the application, since I did not want my cell number used. She informed me she could not cancel it. The call was escalated to a supervisor, who told me the application had already been rejected. The XXXX XXXX letter was a clear falsehood. The supervisor apologized pro forma, said " the system '' had generated the false letter, and told me nothing could be done. 
I have had dozens of credit cards over 35 years, including one continuously since approximately XXXX. I have a high credit score, and am XXXX. It will be damaged by this action of 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 2022-11-08 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: GA

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 more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. 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 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please 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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

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 2022-11-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My Identity was compromised by XXXX XXXX XXXX here Is proof and someone has been pulling my credit without my permission. Please take a look into this problem for me. 
I was a victim of Identity theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove anu accounts opened without my knowledge, consent, or authority. Also in addition to section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Inquiries XXXX XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Requested On XX/XX/XXXX XXXXXXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  via XXXX  Requested On XX/XX/XXXX XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXXXXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XXXX/XXXX/XXXX Employers XXXX XXXX  Occupation XXXX  Date Hired XX/XX/XXXX Personal information XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone Numbers Phone Number ( XXXX ) XXXX Phone Number ( 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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a text asking me if I had charged {$1000.00} on my credit Chase Visa. I was called regarding this. I was asked numerous questions to check my identity. I was kept on the phone for an hour. I told the person I was talking to that this was not my purchase. The next day when I checked my accounts, my savings account was {$0.00}. I had {$51000.00} in my account. I notified the bank immediately. I told them what happened. They asked for a police report. I got that for them. They denied my claim to get back my money. They said I okayed the transfer of funds. I did not okay the transfer of the funds. These fraudsters used my voice in some way ( recording it,? ) I dont know what they did. But the voice the bank heard was NOT MY VOICE! On the basis of what they heard they are not giving me my back. I am a XXXX XXXX XXXX I am XXXX XXXX old. That money was all the money I had in the world. Please try to help me. I did not ok the transfer of the entire sum of my savings! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on 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 2022-11-08 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have sent a certified letter to XXXX, XXXX and Credit Collection Services requesting debt validation and requesting that XXXX and XXXX remove account becuase it didnt contain a status change. The reporting account says collections and has a past due balance which is illegal. XXXX and XXXX never responded within the 30 days and Credit Collections Services responded with a one page letter. I requested orginal contract payment history wet signature and proof of debt assignment and none of those requested items were sent. Also Credit Collections Services is not licensed to operate in the state of Ohio.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I paid off my student loan with XXXX XXXX during the pandemic period. I requested a refund of all payments made during that period, and XXXX said they submitted that refund request on XX/XX/XXXX to the federal treasury. Then In XXXX they say they transferred my loans to aidvantage because XXXX is no longer going to be servicing student loans. Aidvantage says they have no information in their system about my loans and may not have any information u til the end of XXXX, the deadline to request refunds of payments made during the pandemic in order to qualify for the new student loan forgiveness is the end of XXXX, XXXX claims my refund request with the treasury no longer exists and aidvantage will have to request it again but since aidvantage says they will not have any information on my loans u til the end of XXXX by then the refunds will not be an option and I will lose the forgiveness. I found information online that stated a complaint with you could help me and cause me to get the refund in time, please help me get aidvantage to submit my refund request In time, they are not able to give me any information as they say my loan is not in their system yet but I have an email from XXXX stating they transferred it on XXXX XXXX. I have waited weeks hoping this would resolve on its own but now I a, afraid if I dont take action I will lose the loan forgiveness by missing the upcoming XXXX deadline for refund requests,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Dear sir / madam, This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. 

Please refer this complaint to the right agency to investigate. 

I further request that this account with this bank be audited by the right agency. 

I also request that the bank provide all the email communications that they have received from me, as soon as possible. 
==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 

Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 

The merchant continued to charge my card, however, even after I had canceled the transaction with them. 

I disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 

The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 

I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 

I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 

I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 

The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 

I have never received the goods and need a full refund. 

Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation