vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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 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 2022-07-08 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 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 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 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: NM

Complaint narrative:
hi! I was enrolled in XXXX XXXX card through a previous employer ( XXXXXXXX XXXX ). Upon resigning, XXXX closed that account and reissued a new one to me. A new card and letter came. I want to close this. They say they can not close it as I have to go through my old employer. I did. They have a verified account as closed. XXXX had closed the acct associated with my old employer and issued me a new account complete with {$2.00} fees and will not close it. I have been rounds with my old employer and Alight and both are claiming to be unable to simply close this XXXX master card account. At this point, they need to be discovered by some authoritative body. Worse, I can't get proof of transactions from the original account that I need to show i paid my XXXX XXXX. 
I did not ask for a new XXXX account to be issued to me. Initially it was issued with a remaining balance for me to use from the XXXX acct through my employer but I have exhausted that in hopes I can get it closed but can't close it. They gift themselves arbitrary fees monthly. Please help me hold them accountable for opening an account I did not ask for and being unwilling to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not authorize these fraudulent inquiries.

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 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/22 sent to US bank along with multiple calls to relationship manager and loss mitigation. They are refusing to reverse my forbearance deferral that I have not paid on yet. This makes me ineligible for assistance funds from the state of XXXX 

Hello Please forward this to your loss mitigation and /or complaint department ASAP. I am requesting to cancel my deferral agreement and pay my mortgage forbearance back in a lump sum. The agreement has not went into effect yet as I have not made the XXXX payment when the plan starts. I called yesterday and spoke with someone who was not able to help me so this needs to be escalated. It is in the best interest of US Bank to accept a lump sum payment so it is does not make sense you could not make this happen. Please respond to this immediately as I need to arrange the funds to transfer. 

Loan number XXXX Borrowers : XXXX XXXX and XXXX XXXX ( XXXX XXXX  XXXX ) After denied assistance through XXXX, I filed an appeal and have yet to hear back. XXXX is the last month I can get forbearance assistance on because I reapplied. Here is the appeal I sent to XXXX The deferral agreement I submitted does not go into effect until XXXX. I have notified US Bank to cancel the forbearance deferral and accept the lump sum payment that is past due as of now. I was unaware that applying for a deferral agreement would not make me eligible for this program, but my family really needs this assistance. We are a family of XXXX living on a single income and are the type of household these COVID funds were supposed to help. I have included the latest statement on my mortgage with the appeal they had the past due amount. Please expedite as US bank must receive the funds before my due date to avoid credit reporting and late fees as I am already at the maximum amount of months allowed for COVID forbearance.

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 2022-07-08 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: FL

Complaint narrative:
Hi, I summited a complaint to your office XX/XX/2021 complaint # XXXX To this date, my actual credit report with Transunion in reference to XXXX XXXX  XXXX XXXX XXXX continues to show a bad payment history. XXXXXXXX XXXX says they fixed the problem 7 months ago. But this is not true, as my XXXX Credit Report with a negative and orverdue payment history. My Transunion dispute # XXXX. Please Help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thank you.

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 2022-07-08 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: NV

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NV

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit 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 2022-07-08 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: TN

Complaint narrative:
I XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXXXXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXXXXXX XXXX : ACCOUNT # XXXX & XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me, XXXX XXXX then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 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: TN

Complaint narrative:
I XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXXXXXX XXXX : ACCOUNT # XXXX & XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me, XXXX XXXX then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: PA

Complaint narrative:
Please see my attached exhibits as they state my concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Since the onset of covid our mail has been delayed or not received from the credit company. It started in late XXXX when I didn't receive at least 2 statements. When we did get one we made the payment in XXXX of XXXX. We did not get another one until late XX/XX/XXXX and we paid a payment in XX/XX/XXXX and the company had already closed the account in XX/XX/XXXX. 
I made several calls about us not getting our mail but that did nothing as we still have not received a statement. In XX/XX/XXXX i called because i saw they kept showing us will 30 days late on my credit report at which time i made another payment. I filed a dispute in XXXX and they say they sent me the letter on XX/XX/XXXX but to this day i still have not received it by mail but i did make another payment in XXXX while on the phone with them. I called in again in XXXX and a rep listened to my complaint and she told me that she understood and would send over a letter to have the negative entries removed. I talked with a rep from experian to see i they had the letter and he told me no but i could call the credit card company back and get a copy of the letter.I called XXXX back again as i had not seen any change on my credit report and was curious if they had sent the letter. The first supervisor said yes she had seen where the rep sent the letter. The second time i called i talked to another supervisor and she said the same thing. i asked if i could get a copy of the letter and she sent it to me electronically but it did not state what the rep told me what she was going to send. It just said that XXXX  had investigated and it was not in my Favor. I have had 3 accounts with these people dating back from XXXX to XXXX and never a late payment, a second account from XXXX to XXXX with never a late payment and this account from XXXX and Covid hits and i don't get my statements and yet they just keep hitting my credit report for missed payments. 
It is now XXXX and i still have not received one letter or one statement from them. I find it hard to believe you can have that good of a credit history with them and when something goes wrong they will not help. So know i am asking if you can 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX  I had this problem with TDs manager before 4 weeks and now with TD Bank. This is what happened. I have two business accounts under one business name. One had money {$4000.00} and the second one was negative. I wanted to withdraw {$3500.00}, but the manager refused to give me the money unless I cover the negative account. So as u know every day Money goes inside the account because its business account. And I have 60 days to get over the negative account. Plus they all ready took overdraft fee.So how comes she refuses, its two accounts, I had no suspicious, suspension at my accounts or any block. So how comes she refuses. I had to pay the order came to me same day. She made me day very bad. In the beginning she ask about my name, I told her my name is XXXX, I dont know Id she is races or she thought had powered to stop my withdrawal. I was angry and screamed in the bank, one of the customer fought with me by talking and told me go to my country. The manager told me that here is my name go make a complain do what u want. I called TD bank to make a complain then I talked to the supervisor, then he told me hell send the complain to go forward. In two weeks no body responded to me. I called back, then the representative told me the supervisor forgot to send the complain and he put the complain in draft. I said ok no problem. Then she told me, they will give it to higher position, his name XXXX XXXX. So she said he will call me in same day. But he didnt, I called him second day and left a message to him and he no contact me. Then I wait two more weeks and no body care about my complain and how I feel as a customer for 7 years in TD with two business I have with them. I want make complain at the bank and their manager. The branch at XXXX XXXX and XXXX XXXX my. The manager name is XXXX XXXX. I hope u hear my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

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