vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: MI

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 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 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 2022-08-15 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: MI

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 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 n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer 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 2022-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
After receiving a promotional offer from Citibank on their web site ( I was an existing credit card customer ), I opened a Miles Ahead Savings Account # XXXX. Instead of paying interest, the account would give XXXX XXXX XXXX  XXXX Points if the following terms were met : 1. Enroll between XX/XX/XXXX and XX/XX/XXXX ; 2. Must keep the account open to receive the miles- which would be paid within 90 days of fulfilling the terms ; 3. Must meet the minimum balance requirement within 90 days of opening ; 4. Must maintain that minimum balance for 60 days ; 5. Funds must be new to Citibank ; 6. Minimum balances and their rewards are : a. Up to $ XXXX XXXXXXXX frequent flyer miles b. $ XXXX $ XXXX XXXX frequent flyer miles c. {$200000.00} and XXXX XXXX frequent flyer miles 7. In addition, if {$10000.00} is maintained in the savings account, you would received a 25 % bonus for all miles earned on the Citibank XXXX XXXX XXXX. 

I fulfilled all the requirements, including : 1. Opened the account on XX/XX/XXXX. At that time I received an electronic Terms and Conditions XXXX Citi Miles Ahead Offer ; 2. Deposited {$50000.00} in the account on XX/XX/XXXX ; 3. Maintained a balance in excess of {$50000.00} through XX/XX/XXXX ( 103 days ) ; 4. All funds were new to Citibank. 

To date I have not received the XXXX miles for maintaining a balance over {$50000.00}, nor the 25 % miles bonus on credit card purchases for maintaining a balance over {$10000.00}. I brought this to the Bank 's attention in online chats in XXXX and XX/XX/XXXX. In both of those chats I was told that I met the requirements of the offer and that the miles bonus should be paid soon. In response to my last chat, I received a letter from Citibank saying that they had no record of any promotion offer made to me. This is directly contradicted by the Terms and Conditions offered to me when the account was opened.

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 2022-08-15 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: VA

Complaint narrative:
On XX/XX/2022 a letter was sent to Experian to inquire about why a public record was reporting on my credit and their response was that XXXX XXXX had reported the account. On XX/XX/2022 I followed up with a letter and included the XXXX XXXX report as well as a letter from the United States Bankruptcy Court to prove that the information that Experian claimed was correct, was not factual. Experian did not respond to my investigation. On XX/XX/2022 I again wrote them a letter, and sent via certified mail, stating that they are reporting incorrect information due to their method of verification and to immediately delete this incorrect reporting. They responded on XX/XX/XXXX stating that they had verified with XXXX XXXX that the information they are reporting was correct even though I once again provided the proper documentation to prove that they did not investigate. As my final attempt, I wrote a letter via certified mail requesting the removal of the incorrect information dated for XX/XX/2022 and mailed on XX/XX/2022. By XX/XX/XXXX, LESS than 6  Business days, they had already investigated and closed my dispute. I am concerned that during the 6 months since my initial inquiry, Experian did not in fact investigate my dispute and instead made a decision without any factual information causing me to have a lower credit score and affecting lending decisions.

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 2022-08-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
I noticed a few inquiries on my report I do not recognize

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 2022-08-15 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/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.

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 2022-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I have had multiple loans through this company over the past 2 years or so. It is a buy now, pay later type of loan. I have used the same banking information over those 2 years to make payments on each of the loans that I have carried. I attempted to make payments on two of my current loans on XX/XX/XXXX. I was notified on XX/XX/XXXX that those payments had failed. There was no issue with the bank, as I called them to make sure it was not an issue on my end. I attempted the payments again on XX/XX/XXXX and again was notified that they failed. I contacted Affirm on XX/XX/XXXX to inquire about the issue. They kept telling me that payments were still processing as each time the payment failed I would attempt another one. They did not know why the payments were failing and told me to contact the bank. I told them numerous times that I had already done that and the problem was not on my end but rather on Affirms end. I called their customer service line and spoke to someone who stated they can open a ticket to see if it is something on their end. She did not state she HAD opened a ticket nor give me a ticket number, so whether or not this happened, I do not know. I have been sending them messages from XX/XX/XXXX through today XX/XX/XXXX and I am still getting nowhere with them. They keep telling me to check with my bank. Apparently they do not know how to read because I have stated several times that I had already checked with my bank and there is NO PROBLEM ON THEIR END. There is an issue with Affirm and I need them to figure out what it is so that I can pay on my loans that are now past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NJ

Complaint narrative:
I have 2 previous addresses that are totally wrong I never lived there and there are 3 charged off accounts that are not correct that status is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: AZ

Complaint narrative:
I am filing a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received the results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I bought a massage chair from the XXXX XXXX XXXX in XX/XX/2019. I was approved for their financing with XXXX XXXX of {$4000.00}. I purchased the chair and it was to be delivered to my home within 10 days. When it was delivered it was damaged and they took it back. They had to order another from the warehouse. I then cancelled the order and told them I no longer wanted it. They still brought another one even after telling them I no longer wanted it. So when they brought the second chair I had them take it back. I do not have the item- it was returned and I would like it removed from my credit from all parties that have been involved. I believe the account has been sold several different times. I have reached out to all parties on many occasions with no results. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your 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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A fraudulent account was opened under my name this morning with Bank of America. I have spent 3 hours on the the phone trying to get clarification and get it closed as soon as possible. I keep getting transferred to people who refuse to help and have been hung up on several times.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Portfolio Recovery Associates, LLC
State: TN

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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Original creditor PORTFOLIO RECOVERY Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
I noticed a few inquiries on my report I do not recognize

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 2022-08-15 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: FL

Complaint narrative:
I noticed a few inquiries on my report I do not recognize

Company response to consumer: Closed with explanation