vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-10 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 XXXX  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 XXXX  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 2022-06-10 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: The LGM Co., Inc.
State: OH

Complaint narrative:
I have been paying LGM Financial since XX/XX/2021 I have made 26 payments of XXXX Dollars to their company which I was told would be reported to my credit... Which they also told me they were reporting these payments at the end of each month to the XXXX I contacted XXXX serval times to defuse the issue but they do not see LGM Financial report as they claim they made to them so each of my 26 never late payments has not been applied to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: WA

Complaint narrative:
Equifax lost all of my credit history, and they failed to fix it. Currently my credit score at Equifax is XXXX, while at the other two credit bureaus the scores are around XXXX ( XXXX ) and XXXX ( XXXX ). I have 6 credit cards actively in use, but they have none of them on file. 

I have been trying to contact Equifax for the past 2 weeks since XX/XX/XXXX, but still the issue is not fixed. Their customer representatives refused to provide help in any constructive way, and rejected my request to start an investigation into the issue. 

Below are some more details : After about 10 days of communication, Equifax sent me an email on XX/XX/XXXX stating that they had fixed the issue. However, as I checked my credit report again on XX/XX/XXXX, my credit report is still empty and credit score is still XXXX. It is clear that they had not fixed it, while they claimed they had. I tried to email them back, but I have not received any response ever since. 

In addition, on XX/XX/XXXX I made another call to Equifax customer service line to request further help. However, a staff from the Office of Consumer Affairs told me " everything looks perfect '' on their end ( even if my credit score is XXXX ), and refused to provide any further service. She also rejected my request to start an investigation into the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MI

Complaint narrative:
I had some unauthorized charges on my bank account, when I was doing my monthly review I noticed them and called my bank. I was told there will be provisional credit issued within few days and that never happened. I got a call today from the bank to inform me that the claim is denied and there was no proof of fraudulent charges because " the card was still in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards under my name with Bank of America. Bank of America was notified in both cases that i did not apply for any credit card with them. 
on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards using my name with XXXX XXXX Bank. XXXX XXXX was notified that i did not apply for any credit cards with them. 
I called the credit report agencies and placed both a hold and fraud alert on my credit reports.

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was scammed by a phone call pretending to be electric company and immediately reported the incident to my bank. My bank claimed that even though the payment was still " pending '', they could not stop the transaction. 
Date : XX/XX/22 Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX  XXXX Account # 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 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX )XXXX XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I have been trying to close my business checking account with Huntington Bank for a month now, and it hasn't happened yet. This is such strenuous attempt just to close an account. I do not live near a branch so going in branch is not an option for me. So I sent a notarized letter but that didn't seem to do it. What's the hold up? Please close my account. The balance has been at XXXX for over a month now too. 

Please see dates and actions I have taken : XXXX Called XXXX to close account ; The phone rep. said I have to send a notarized letter, and the account will be close 7-10 business days after they receive the letter. 
XX/XX/XXXX Mail notarized letter requesting to close account XXXX Called XXXX to ask if they have received my notarized letter sent a week ago. The phone rep. said they have no way of checking with that closing department. I just have to wait. The only way to know that account is closed is when I couldn't log on to my account. 
XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to wait. 
XX/XX/XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to keep waiting. 

This is unreasonable. I have been waiting for long enough. Please just close the account. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NY

Complaint narrative:
on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-06-10 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: NY

Complaint narrative:
on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXXXXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-10 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Accounts : XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXXXXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -Untitled { XXXX XXXX XXXX } XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company Financial Recovery XXXX is now reported it as a NEW RECENT COLLECTION ACCOUNT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation