vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: PR

Complaint narrative:
Inquiries on My credit file where credit was asked for, granted, or denied.

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 2022-08-15 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:
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 2022-08-15 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: VA

Complaint narrative:
I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and Trans Union. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my 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 2022-08-15 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: VA

Complaint narrative:
I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with Equifax, XXXX and XXXX XXXX. Equifax and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: VA

Complaint narrative:
I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, Experian and XXXX XXXX. XXXX and Experian refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my 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 explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
My mortgage was sold to bsi back in XXXX from XXXX XXXX XXXX. I was previously on a deferred program with the company and opted to start back making payments once I did that my loan was sold. I mention all of that to say the new company BSI is listing my loan with them as deferred and my payments from XXXX - XXXX are not being reflected on my credit report. I reached out to the company several times with no results. I am currently trying to refinance but due to the incorrect information BSI is reporting I am gaving issues doing so. My previous deferral with XXXX XXXX XXXX does not carry over to BSI. Please remove the deferral listing you all have reporting on my credit report and please update my payment history so that it can reflect the payments made from XXXX to current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been dealing with identity theft for the last two years I have reached out to Trans Union multiple times to try to clear up fraudulent information on my credit report and they will not assist me with any help I have disputed information and they have yet to remove fraudulently information off my 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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
After an hour on the phone with Comenity, who manages Ann Taylor XXXX  XXXX, it turns out there was a system upgrade which resulted in omission of a XXXX statement. This led to all customers having A LATE FEE assigned to them in the XXXX statement. Billing cycle closes on XXXX of the month and any charge after XXXX shouldve appeared on a XXXX statement if there had actually been one issued. The company had no explanation, no offer of how they were, if at all, going to mitigate this issue for customers. It took me insisting on speaking to a supervisor to get the late fee removed from my account as the first person didnt have authority to do this. I have never missed a payment in FULL in my life and this excuse of theirs is inexcusable and I am filing a complaint with CFPB.gov especially on behalf of the countless others who may not be aware or able to advocate for themselves.

I wouldnt have even noticed this if I hadnt dug in because I automatically pay my credit card bills whenever they come into my checking account but obviously XXXX was nonexistent which led to XXXX problem. Supposedly this is not yet reported to credit bureaus but Im upset over the principle of the matter and the companys cavalier attitude. That is certainly no way to operate a business no less one that involves ones finances! 

Bottom line is the late fee is not my fault but company error for which they have NO PLAN to rectify. Theyve credited me the late fee and interest but theres no way of knowing whether this will impact my credit score nor should it even get to that point.

Be aware. Comenity Bank clearly does not have any plans in place to protect their customers. They have no accountability and I do not trust them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I was going to get a loan for a vet bill and when they told me the interest rate I told them no thank you that I do not want their loan I'll just go to my personal bank and they ran my credit anyhow without me signing anything or giving them permission

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 2022-08-15 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: 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. 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 2022-08-15 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 1 previous addresses that is totally wrong I never lived there and there are 3 charged off accounts that are not correct that status is wrong

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland funding has been harrassing me over a debt I have no knowledge of for the past 7 years. They have contacted my place of work, which they were informed by my XXXX was not allowed back in XXXX, but still did it after the fact. I have prior co workers who can testify to the harrassment as I had my workplace phone on speaker when the calls occured. They continuously send me notices in the mail trying to get me to pay. The notices I receive claim the debt was charged off in XXXX of XXXX. 
They called and harrassed me for years threatening me, cursing at me, and threatening legal action. It stopped for about a year and now that I have moved to a new state it is suddenly starting again. This alleged debt is far past XXXX statue of limitations on debt, which is 4 years. I want the harrassment to stop. This is also not on my credit report so I am confused as to why they are still pursuing me. 
I will not be paying a XXXX to this scam of a company and I want the constant attempt at communication to stop entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This relates to Capital One Venture X account and their Fraud department. 

On XXXX XXXX my account was restricted. I contacted customer service and was informed I was on a recorded line. Over a period of 30 minutes, I was asked to verify my personal information, and the Fraud representative reviewed my transactions and I clarified that they were all accurate. I was informed that the restriction was cleared and I should wait a few minutes before trying to purchase the item that triggered the alert. 

I did exactly as I was instructed to, and my transaction was once again denied. I received texts and emails to contact Capital One right away because of suspected fraud. I did so and was once again routed to the fraud department where I was required to not only identify my personal information, but to send photos of my drivers license, I did so reluctantly but with an understanding as to why. 

Then the representative wanted to review my transactions that I had already done on my prior call with a Capital One representative five minutes prior. As I did not want to spend another 30 minutes reviewing something that I had already done, I requested a manager and was transferred to XXXX ( XXXX XXXX Fraud ) who informed me that I would be sent a link to take a picture of my license and be verified even though I had already done that with the prior representative that transferred me to her attention. 

I asked to speak with her manager, she was adamant that there was no one higher than her that I could be forwarded to and I would have to work with her directly. I chose to hang up and attempt to communicate with Capital One via e-mail to resolve this issue. I then realized that there is no e-mail for Capital One. 

Why is there no way to communicate with Capital One directly via e-mail? By not allowing me to send electronic correspondance they are putting me at a disadvantage. I am unable to retain any written documentation of my issue and yet they can record the entire conversation for their records. 

Why am I required to continuously identify myself on the same call when being transferred to a manager? and why must I have to verify transactions again when they have already been done on a recorded line? Are there no call records that can be reviewed to avoid another 30 minutes of verifying transactions? Are the individuals at fraud reading from a script and unable to deviate from it based upon circumstances that can be proven in their records?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: PR

Complaint narrative:
Inquiries on My credit file where credit was asked for, granted, or denied.

Company response to consumer: Closed with explanation