vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: NJ

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 2022-08-22 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: NJ

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 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 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report soemething is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare that they will keep putten more things please need 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 2022-08-22 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I lost my job recently and I am unable to pay my credit card or consumer loan. I let it default because I was keeping that money to pay my mortgage however my bank stole the money from my checking account to pay up the credit card and consumer loan. I need this money back so I can keep my house. I contacted several people with the bank and they refused to reverse the transaction. I bank with Navy Federal and have done so for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I did a home refinance in XXXX of XXXX, I lost my job in XXXX of XXXX. We tried to keep up with the payments but couldn't. Tried numerous times to get help or s modification but kept getting the run around and never received any halo at all. They over qualified me for this loan to begin with now they filed foreclosure in XXXX and it was at that time we noticed there were forged documents in the closing documents. Nobody would listen so we have been fighting foreclosure since XXXX. The servicer won foreclosure in XXXX of this year XXXX. They said there was a sale on XX/XX/XXXX, which we were not notified of and the same lender is now the owner, doesn't sound right to me. We don't want to loose our home but this needs to be corrected somehow since it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 non-monetary relief
Consumer complaint received 2022-08-22 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: IN

Complaint narrative:
Through Transunion 's dispute system I recently filed a dispute stating that someone with a similar name had filed a bankruptcy and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I asked that Transunion remove the bankruptcy immediately as there is no way they can legitimately verify the information. A screenshot of the email from the U.S. Bankruptcy Court, XXXX XXXX of Indiana, is enclosed proving they do not communicate with credit bureaus or third parties, and that personally identifying information is not available.

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 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Sleepys/Mattress Firm loan for mattresses purchased in XXXX  by my then husband, XXXX XXXX XXXX XXXX XXXX referenced number XXXX XXXXI, XXXX XXXX XXXX XXXX had nothing to do with that purchase. I for this seven year period have requested, to no avail, verification of my signature on the loan application. I believe the woman sales person worked with XXXX to put my name on that loan. I was not provided that information. My name and vital information was given without my knowledge or permission at the time of purchase. XXXX and I were still married at that time, and I was aware of the purchase. We shared the payment of the monthly bills. I made payments with my checking account for XXXX while unaware that my name was on that loan account with Sleepys/Mattress Firm . I gave him the check and he mailed the payment. I now know why he did not show me the payment stub, bill or mailings. It was because he did not want me to know that he or the salesperson put me on that loan without my permission. I have been fighting this for seven years!! We divorced shortly thereafter ; and he stopped paying the loan knowing my name was on it and I would be responsible. That was the type of person he was. He is now deceased ; and I'm still trying to get the charge off from my credit report. Please help me. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FactorTrust, Inc.
State: CA

Complaint narrative:
XX/XX/2022 - Called because XXXX said my certified mail was forwarded. I called Factor Trust as I wish to submit a human trafficking block request. I was informed that the address online is not for human trafficking and that they do not have it up yet. It is XX/XX/2022 and law went into effect in XX/XX/2022. They are breaking the law by not providing accurate and available information for human trafficking survivors about where to provide their block request. I sent in the request on XX/XX/2022, to their address online by certified mail, and as of today, they do not have accurate information about where to send the block request. I asked for a fax number and they could not provide it. I would like my certified mail amount back and also they are breaking the law by not providing accurate method for survivors to send in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
My health savings account is with Old National. I use a debit card. Recently I tried to use it, and it was declined. Have phoned them at least 6 times, and no one will pick up the phone. Thank god I did not lose it. They will not answer the phone. You wait a long time and then the call drops.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
on XX/XX/XXXX XXXX, someone by the name of XXXX XXXX took at XXXX, from a XXXX  account in my name, i dont know who this was, it was stolen from my account, .I told the bank about it, they investigated and said theres nothing they can do. capital one 360 checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 discovered two unauthorized credit inquiries when I checked my personal credit report, which I obtained from your company on XX/XX/2022 via XXXX. 

These lenders are unfamiliar to me, and I don't recall giving them permission to run a hard inquiry on my credit report.

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 2022-08-22 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit Management will not validate the debt with original documentation and Midland Credit Management keeps pulling my credit and stating they are an original creditor, they also sued me in the wrong jurisdiction and the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: MD

Complaint narrative:
Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} The company did not send the collection to the actual address on file but instead seemed to have performed a search based on the name and sent the bill to me. This company does not perform its due diligence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and XXXX my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, Hyundai reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with Hyundai to continue making payments to them past my original lease agreement.

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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Currently, I have something on my credit that has curtailed me from opening up a checking account. 

Chexsystems is reporting that I owe {$2900.00} for a write off that hd insufficient funds. 
This is false reporting and I need for it to be investigated. 

The amount is allegedly tied to XXXX and XXXX Bank. I am unaware of this and I have to have this matter removed. 

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 2022-08-22 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:
Checking my consumer report I noticed that Experian released my non personal information to the following companies without my prior consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I expect these inquiries to be removed from my report immediately. As a consumer I have the right to privacy which you have a duty to keep my personal non public information private at all time, unless I the consumer give you consent. I did not authorize anyone from the companies listed above to make any inquiry or view my credit report, nor did I give Experian permission to furnish this fraudulent information to my credit report. Under 1681b ( c ) this is a violation which is fraudulent activity and a breach of my right to privacy. 
Please be aware that no consent is Identity Theft

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