vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: CA

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 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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 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 XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX 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 2022-04-11 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: CA

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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX 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 2022-04-11 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: Grain Technology, Inc.
State: CA

Complaint narrative:
I emailed this company on XX/XX/2022 for charging me 3x in one week totaling to {XXXX} with their auto pay system. I received no response. I then emailed XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX in regards to my bank account being closed and needed to update my bank to make my payments on time. Ive called the company and theres no way to talk to a representative, their automated system says itll take 48 hours to respond and its been over a month! I now have late payments reporting and its negatively impacting my credit and my ability to buy a home. These are the only late payments on my credit. I also filed a complaint on XXXX where I read Im not the only customer experiencing this issue. I would like my account to be updated to current and the ability to update my bank to make my payments. Grain has been a big help with allowing me to build credit but their system is flawed and the lack of customer support is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: SC

Complaint narrative:
Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be

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 2022-04-11 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: SC

Complaint narrative:
Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Previously i submitted a complaint in regards to identity theft and accounts that I have no knowledge of. Experian responded that the accounts I listed were not accounts on my credit report. After checking, these accounts are still on my report and currently reporting. How was this error overlooked. This needs to be investigated because it was not investigated at all in the first complaint. Very disappointed.

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I have received a new creditKarma debit card ( https : //www.creditkarma.com/ ). On XX/XX/XXXX there was a strange {$1000.00} transaction posted on my checking account. I noticed it on XX/XX/XXXX and filed a dispute ( Case # XXXX ). After several clarification emails on XX/XX/XXXX I was informed " Your case has been escalated to our disputes team for further assistance. Please allow the investigator assigned to your case time to review and address your concerns. '' Ever since I have not heard anything from CreditKarma. I have phoned with them 2 times on Mon XXXX XXXX they told me that the dispute shall be resolved by XX/XX/XXXX the latest and XXXX XXXX they said that they don't know when the dispute is going to be resolved. 

I would like to have these funds to be returned to my bank account and the interest for 1 month of use to be reimbursed. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB XXXX CLEARLY THEY DID NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: ERC
State: FL

Complaint narrative:
Recently I decided that I wanted to review my credit due to my interest in purchasing a home within the next 2 years. After carefully reviewing my credit report I saw a lot of things that I have no acknowledgment of. Someone stole my social security number and opened accounts in my name. There were even address from Georgia and Ive never even been in that state before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CA

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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n 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 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I asked Citizens Bank XXXX XXXX XXXX team to assist me with a large international wire on the phone to assure it was done correctly. The bank agent missed a few steps and the wire ( XXXX XXXX ) went out in pounds ( XXXX XXXX ) instead of us dollars. Citizens management informed me to recall the funds but never informed me of a {XXXX} penalty. Citizens took my money and recalled the difference to my account. I have on recorded calls several request asking them to inform me of any penalties. I am loyal customer, I have five or six checking accounts, multiple savings accounts, business accounts, my mortgage and home equity and feel like I have no advocate helping resolve this issue. I have pushed this to the Office of the Chair but have not hear back from them. This was unfair and no one person can explain to me the XXXX fee. There is no advocate for me and I was even more upset when the Office of the Chair called to hear my side of the story but then quickly informed me the decision to charge me XXXX was done. Hi investigation of this matter was incomplete to begin with but why ask then inform me of your decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Leachman Law, P.C.
State: CO

Complaint narrative:
A man came to my door and served me a fake summons letter on XX/XX/2022 from XXXX XXXXXXXX XXXX  The document had no clerk signature, court date or court case number. When I emailed and asked for verification of debt- they refused to provide the necessary information. This is the business information : Mark A. Leachman PC XXXX XXXX XXXX XXXX, CO XXXX Office XXXX Fax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EXPERIAN has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer 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 2022-04-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  - Inquiry XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry 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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I paid my shortage, but they did not update my payment. 
COVID Deferral completed in XX/XX/XXXX - final approval reflected a shortage in escrow of XXXX with the next payment due date of XX/XX/XXXX XXXX  XXXX - out of term escrow analysis completed XX/XX/XXXX reflected a shortage of XXXX, the new payment reflected XXXX XXXX XX/XX/XXXX. The shortage portion of the payment is XXXX. While this stmt was still in the mail .... 

- I paid the shortage, as indicated on the Deferral agreement XXXX  XXXX on XX/XX/XXXX They applied the payment to my escrow account but there is no way on the website to see if the payment was corrected ( shortage collection removed ) until the payment rolls to the due date of XX/XX/XXXX. 

- XXXX payment paid XXXX  XXXX. 
>> new analysis completed XX/XX/XXXX, according to state-schedule - reflects a payment of XXXX and an overage of XXXX - XXXX payment paid XXXX XXXX - XXXX payment reflects due XXXX - they did not remove the collection of the XXXX shortage from the payment after I made that shortage payment XX/XX/XXXX. The analysis completed XX/XX/XXXX is reflecting the deposit to escrow but the effective date is XX/XX/XXXX, therefore an incorrect payment amount and overage. 
I am required to pay the higher amount of XXXX for one month XXXX because of this neglect. 
I called USBank on XX/XX/XXXX, spoke to XXXX at XXXXXXXX XXXX and she told me they can not correct this. I called again and spoke to XXXX at XXXXXXXX XXXX and she also told me they can not correct this. 
Fortunately ( or unfortunately ) I have worked in mortgage servicing and was able to explain to them exactly what happened, why it happened and could have even provided them what screen to go to in in their system to correct this error.

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a Vanilla VISA gift card in the amount of {$400.00}. On XX/XX/XXXX the gift card was used for the first time and did not go through. Went online to check the balance and called customer services but was told there was only {$5.00} left on the card. The Vanilla VISA gift card was hacked and wiped out. I filed a dispute package on XX/XX/XXXX with information requested to XXXX as instructed. I received a confirmation of receipt ( with incorrect last name ). I was told to wait up to 90 days for resolution and I would be contacted by email. On XX/XX/XXXX I sent an email asking for results since I had not heard back from anyone and it had been 90 days. I received no response. I called customer services at XXXX and was told that there was still no results and to wait another 30 days for update, even though it had been over 90 days already. On XX/XX/XXXX, I was told there were still no updates and to wait for an email within 72 hours. I mentioned to them that they had my last name incorrect and I was told they would fix it. 72 hours came and I still had not received a response. I called again, at this point the process is extremely frustrating, the representative told me that there was still no update and I asked for a supervisor. The supervisor stated that they did indeed found that there was fraud and a replacement VISA gift card was mailed to my home on XX/XX/XXXX. On XX/XX/XXXX I called stating I had not received my card in the mail. The rep stated there were no updates on my dispute ( was I lied to? ) and to wait 72 hours for an email/update. 72 hours came and still no update. I called again on XX/XX/XXXX and again, they tell me there is no update nor know anything about my replacement card. I asked to speak to a supervisor and they stated that the gift card was mailed on XX/XX/XXXX and I now have to wait until XX/XX/XXXX to call back again for an update. This is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: VA

Complaint narrative:
I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. Trans Union is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

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 2022-04-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sXXXX XXXX XXXX XXXX XXXXre time. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I paid off my student loans in XXXX. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

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