vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: NV

Complaint narrative:
Hi I am submitting this XXXX A 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 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 severe XXXX  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 2022-05-27 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: NV

Complaint narrative:
Hi I am submitting this XXXX A 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 XXXX 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 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 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My credit card is a XXXX with Chase Bank. I use it all the time. 
On XX/XX/XXXX my checking account bank, XXXX XXXX, submitted a {$400.00} payment to Chase Bank to apply to my credit card 's balance. Something that is done regularly with no problems. All computer transactions. 
That payment was not posted to my credit card account, a serious matter, I am facing either a double payment of {$400.00}, interest charges if I don't double pay, or possible late fees and adverse effects to my credit score. 
The XXXX XXXX made me a copy of the Transaction detail which I Faxed to a number which was given me by the representative of Chase. 
That was done XXXX times from XX/XX/XXXX to today XX/XX/XXXX and I only received XXXX emails referring to the wrong posting. Nothing about the submittal only that no posting exists on the Chase employees database. 
Something went wrong at Chase Bank between the date my bank submitted my {$400.00} payment and their posting process. Chase is not doing anything about correcting their process and I have no {$400.00} credit on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, XXXX and Transunion are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as citi 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 2022-05-27 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Equifax, XXXX and XXXX are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as citi on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I sent out a Debt validation latter to Debt Rec Sol for the amount of XXXX and still nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
XXXX- i have a chime account numbers checking/savings XXXX and tried to link my XXXX XXXX accounts with username XXXX for transfers through XXXX i succeeded but the external account dont appear. they said it was a XXXX  error and to wait an hour. its still like this. by law. XXXX  do this now. signed XXXX of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: GA

Complaint narrative:
This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : XXXX XXXX XXXX XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 XXXX XXXX XXXX XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 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 2022-05-27 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. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights to privacy 15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.

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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Listen to this please In XXXX I was in school I was kid in the XXXX grade going through a lot and I didnt have a job ok next XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX contact me saying that have to pay they have my social number and my email address Im on the phone with telling them I didnt apply to no college campus in XXXX and then I said I was a kid so i dont how yall got my in information I didnt signature nothing an second I dont know where that at an third I havent seen college campus or havent been one and I told them Im not paying for something that not true and I ask them so yall going to make me pay for something I didnt do and they said yes no matter what you do or do got a job and next I had contact them and said Im a police report they said that wont help, i keep telling them over and over I didnt do it in respectful way and they was being rude to me an yes I got rude back Because I dont appreciate someone rude to me and I being nice and telling the truth I should have record them but I couldnt I didnt have other phone, Me and my auntie even told them to check my medical records that proof right there that Im XXXX  I hope and pray yall believe me and I know they going to disagree because they know they wrong for this they could of taking me off of repeatedly over and over telling them I didnt do it but like I said I hope and pray yall believe me and I know they going to disagree because they know they wrong for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My report has incorrect information regarding my Employer. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-05-27 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, Experian and XXXX are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as XXXX  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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a notice from Truist Bank dated XX/XX/22 confirming that on XX/XX/22, I had requested to accept Overdraft Coverage for my account ending in XXXX. I had never opened an account with Truist or had any dealings with them. On XX/XX/22, I called Truist and was told not to worry that the account was opened on XX/XX/22, but it had been closed and there were no transactions. I told them that it was still a concern because somehow someone else had opened an account in my name and I wanted to know how that happened and I wanted an investigation done. They transferred me to the fraud department and they said they would look into it. 
I received a letter dated XX/XX/22 from Truist XXXX XXXX XXXX XXXX XXXX stating that " effective immediately '' it was necessary to close my account. On XX/XX/22, I called the number I had been given for the fraud department and explained the situation and said again that an investigation should have been done to figure out how someone opened an account in my name and asked why after a month all they had done was close the account which I was told had already been closed. I was told that I would need to speak to the XXXX department and my call was transferred to them. I told them the situation and they said I would need to talk to the Identity Theft Department and my call was transferred to them. I was on hold for an hour and a half before I finally hung up. The next day ( this morning ), I called the number they gave my for the Identity Theft Department, and it was not their number ( or anything like it ). I called Truist again and was transferred a couple of times before getting to the Identity Theft department. They claimed they would look into it, but I have no reason to believe that they will or that they will understand the seriousness of this issue this time around.

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company portfolio recovery services represented XXXX XXXX XXXX  and this account was dissmissed making me no long responsible for this account see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OH

Complaint narrative:
I kept receiving emails about my new card from netspend. Someone had opened an account with my information. When I gave them my social security number they confirmed an open account but refused to give me any information, address or phone number, that would allow me to know who had stolen my identity.

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 2022-05-27 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-27 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: GA

Complaint narrative:
This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : XXXX XXXX XXXX XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 XXXX XXXX XXXX XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : Credit Collection Services XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 Credit Collection Services XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation