vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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 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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
This account was added to my credit report almost seven years ago but I didn't own said account, it belonged to my father who has the same name as me. Reached out multiple times and filed a dispute and to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
XXXX XXXX is continuing to harass me for a debt I do not owe. XXXX was notified prior to me moving out in XXXX of 2020, that I had contracted COVID and was going to go ahead with moving. I paid my last months rent and moved. I had the unit cleaned in XX/XX/2020 because that is when I moved. I had the junk removed from the cleaners at the end of XXXX. I had not been living at the property since the end of XXXX. I did have the grass cut for one last time before the lease ended and I dropped the keys in the mail on XX/XX/2020. They did not receive the keys until XX/XX/2020 because they were mailed to them and not dropped off in person, because I had XXXX. I did not have the carpet cleaned because no one wanted to enter the unit because of me being positive. There is an email dated for XX/XX/2020 notifying them that the keys were being mailed to them. So Im not sure why it says I was occupying the unit until the XXXX if I didnt even have access to the unit after XX/XX/2020. XXXX not sure what they expected the grass to look like after they didnt even come to inspect until the XXXX. I also was not responsible for the stuff growing on the gate. That is how the fence looked when I moved in, I just kept the grass cut. When I initially rented the property it was with another property management company, otherwise they would have known the fence already looked like that. The neighbor can attest to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
I recently pulled my updated credit report and found out that they still reporting the XXXX accounts that I have been disputing since months ago. These frivolous accounts are not mine and I need them to be remove from my EXPERIAN file. I am trying to reach out the CFPB now because I do not understand how and why EXPERIAN do not remove these disputed accounts, That's my big concern. I am Attaching a copy of my most recent Identity Theft Package, that I submitted to EXPERIAN a few days ago. The following accounts do not belong to me : XXXX XXXX ( XXXX ), and 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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
XXXX has been filing a debt owed through XXXX. I have contacted them multiple times to dispute the debt, everytime they have attempted to contact me I have answered the phone to a dead line which then hangs up on me. 

They are making fraudulent attempts to contact me after I have disputed the debt and continue to claim I owe them when I do not. I have disputed these claims and no effort has been made to establish truth ; only that they continue to pin a debt on me I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I got this phone number in XX/XX/2021 after moving to TN from out of state for school. Since that time I have been repeatedly getting calls from " Portfolio Recovery '' multiple times a day, multiple times a week, at all hours of the day ( including overnight ). Initially they left a voicemail asking for " XXXX '' which is not me ( likely the person who owned this number previously ). I have sent an email to them asking them to please stop contacting me but they didn't respond. I have not answered their call fearing it was a scammer. Even though I have blocked them, they call from multiple numbers from all over the US not just one number. XXXX has said I can block a " person '' but only if they called from one number. Since they call from multiple, I can only keep blocking them manually which is not doing anything. They do pop up as " PORTFOLIORECOV '' in my caller ID. 

I just want them to leave me alone and stop harassing me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY AGENY PLEASE SEE ATTACHED DOCUMENTS AND OD AS IT CONTAINS MY FULL COMPLAINT REQUEST

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following have violated my rights : XXXX XXXX account XXXX XXXX XXXX accont XXXX *XXXX XXXX XXXX 1 account XXXX XXXX XXXX XXXX  account XXXX *XXXX XXXX XXXX account XXXX 15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
somebody had opened an account in my name. it was not my chargers, I have never applied for this card, I do not have the card and I should not be responsible for these charges.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Today is the last straw!!!!!! Today like I been doing for the last XXXX months called in to ask Equifax why are they not updating my information. I have spoken to XXXX XXXX on XX/XX/XXXX they told me they last reported on XX/XX/XXXX stating I have a XXXX XXXX  for a credit card limit of XXXX it has been that way since the card was paid off XX/XX/XXXX. The answer from equifax is send in a dispute every time I send in a dispute The dispute says resolved. When I call XXXX XXXXXXXX they say they have resolved the issue because on their end they are accurately reporting the information every month which is I do not owe. 
In return equifax startes well you have multiple account. When asking why do I have multiple accounts equifax replies we can not update your birthday we have a team that updates information and the logged it in wrong. We have to put in a ticket and it will take XXXX XXXX from today to be resolved from XX/XX/XXXX the lady also asked to put in another dispute I said no because you guys are not updating the information is it possible to speak to a manger rep hung up in my face and switched me to the survey after I had been on the phone for 1 almost 2. This is ridiculous I want my credit to report accurately on equifax like it is doing with my other credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 reporting agency can not furnish an 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 2022-05-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to AMERICAN EXPRESS " AMEX '' at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding a major violation on their behalf against my consumer protected rights. After sending them this correspondence, they are continuing to fraudulently and maliciously cause me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. On top of closing my account without my written consent. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action. 

I have also sent them a negotiable instrument to bring my account balance up to date and they have kept and accepted my negotiable instrument and continued to send me the same bill in the amount of {$2000.00} in an attempt to defraud me by double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: MO

Complaint narrative:
By the use of MALPRACTICE I have been subject to VIOLATIONS OF THE FCRA by your company. 

As a RESULT I have experienced FINANCIAL INJURY, DEFAMATION OF CHARACTER, JOB DENIAL, CREDIT DENIAL as well as GOVERNMENT ASSISTANCE DENIAL.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Mercury Technologies, Inc.
State: IL

Complaint narrative:
Hi all, First of all, thank you for replying to my original complaint to the Consumer Financial Protection Bureau # XXXX. Your answer was very kind. 

I am reaching out again and opening up a new complaint because I am asking you to reconsider our claim based on the merits of our case. I understand that you have very specific dispute terms. And I apologize for having taken us so long to submit our answers- frankly it was simple miscommunication between our joint account users. However, I ask that you please reconsider as we did nothing wrong. Our account was compromised through your company 's backend. The faulty transaction was processed through the account 's virtual debit card number yet there was no activity of anyone in the organization even logging into the account on that day, or that week for that regards. Someone, somewhere, accessed our account 's virtual debit card number without having our login information, and then successfully charged a 4-digit amount to a physical PoS several states away than any registered address on our account. Doesn't that scream fraud? Security breach? 

We disagree that we should be held in contempt for this missing money as we believe it is your duty as a consumer financial institution to safeguard our assets against malfeasance. Once again, please reconsider your dispute claim limits and accept our charge dispute answers, and refund the stolen money from our account. Thank you very much in advance for any help you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
On or about XX/XX/2022 I sent my mortgage company ( Selene Finance ) an insurance check made out to myself and my husband for endorsement. 
On XX/XX/2022 Selene acquired my loan from XXXX. My claim was XX/XX/2022. I sent in all of my documents for the initial payment which is XXXX XXXX of the check amount which totaled XXXX. Selene mailed us the check with our contractor name on the check and he lives out of state. He made a trip signed it and left back to his hometown. We went to the bank to deposit it only to find out that the bank needed him to be there. His name should not be on the check and I don't need to be monitored. I am not delinquent in my mortgage payments and I have owned my home XXXX. We have to travel to his hometown just to deposit the check. This is causing us XXXX to fly and return home the same day because we have XXXX Selene has caused us nothing but XXXX. Our home is not liveable we are losing income because it's our rental. All we ask is the SELENE not put our contractor name on our check. My husband and I are the people who has been paying the insurance on our home and paying the mortgage. The contractor is who we hired and should have no interest in anything EXCEPT getting paid for his services. This is an Unfair practice for consumers who are not delinquent. Something has to be done about this practice when it comes to insurance checks. No contractor should be listed on the borrower claim check!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My work establishment had a customer pay for bottle service and a private room at our work establishment, using XXXX as a form of payment. This customer signed a contract, fingerprinted the document, took a photo with it, and allowed us to scan his ID for proof of identity. This customer signed a contract stating he would not dispute the charge of {$1400.00}. This amount was sent to my bank account via XXXX, and I paid out my work establishment their portion of {$440.00}. Wells Fargo reversed the transaction of {$1400.00} back to the man who signed the documents ( he claimed it wasn't him ). This puts me out a total of $ XXXX have documentation to support the case. This is not a civil matter.

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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nelson Cruz & Associates LLC
State: SC

Complaint narrative:
Company called me at work and wantes to verify it was me and said thus was an attempt to collect a debt. I asked them to remove that number from their list, that i was at work and could not receive phone calls like that at work. I asked them to stop. Gave them an alternate number to contact, don't know what it is about except they are saying a debt. I have no debts in collections according to my credit reports.

Company response to consumer: Closed with explanation