vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: TX

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 explanation
Consumer complaint received 2022-09-06 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:
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 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 2022-09-06 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I would like to state that Equifax is in violation of 15 - USC - 1681 b ( A ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. i demand that they remove these inaccuracies off my consumer report they are hurting my consumer report keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consummer reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Requested a Verification of Debt from Portfolio Recovery Associates As of today, has not provided the requested information. 

PRA has not provided or responded to my request of verifying the information. 

Reached out to Portfolio Recovery Associates did not respond to my request at all. 

( See attached A ) Certified return receipt to PRA ( See attached B ) Copies of letter dated XX/XX/22 to PRA PRA is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me. I am not aware or nor knowlege of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the XXXX XXXX XXXX and may have gotten into the wrong person 's access.

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 2022-09-06 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: SC

Complaint narrative:
As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the Equifax Data Breach and may have gotten into the wrong person 's access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CT

Complaint narrative:
On the date of XXXX XXXX, 2022, this company caused damage to my credit reports by reporting this account. 
XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN. XXXX Account # XXXX Amount : {$5700.00} XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-09-06 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: NJ

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I answered your questions as close to my complaint as I could, but your options don't really fit what I'm complaining about. 

In 2016, because of a large data breach with my health insurance company, and because the thought of identity theft is so abhorrent, I froze my credit with XXXX, Experian and XXXX. Last week, I tried to open a new account with a bank. I learned they couldn't open the account without first verifying my identity with Experian, and that I would need to unfreeze my account. I have spent hours and all six ways to Sunday trying to do that to no avail. I have found online and tried calling a variety of phone numbers for Experian, but all of them get to the same robot/menu operations and I am told ( by the robot ) I can not be connected to an agent. I've been told ( at their website online ) that I can unfreeze my account by setting up an account with them, which I have tried to do numerous times, but something must not be matching exactly ( I have 3 email accounts, 3 different phone numbers, and I have a different mailing than street address, and I don't remember what I used when I froze the accounts ) so I'm not being allowed to open an account, and, therefore, I can't unfreeze my credit. This has been incredibly frustrating. I didn't choose to work with these companies, yet they monitor my credit. Therefore, I would like them to be required to allow citizens to access a real person to assist with problems such as this It is quite serious to not be able to unfreeze your account. Perhaps, filing this complaint will make a difference. Otherwise, it seems my only option will be to write to the company and hope for a reasonable response. By then, the bank 's special CD rate I was hoping to take advantage of will likely no longer by available.

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 2022-09-06 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: IL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Not mine no insurance provided

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to furnish INCORRECT name on Credit Report. I have provided Utility bills as well as driving license that the only name I have gone by is XXXX XXXX ( XXXX ) XXXX. Experian will not correct this issue that is hurting my REPORT. ONLY address to have on file is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or around XX/XX/2017 there was an account opened using my information with capital one bank I did not request this card nor did I apply for this card. The balance as of today is {$840.00} and the credit limit was only {$300.00} I have no other derogatory credit accounts on my credit report.I have been disputing this account for XXXX years. Capital One has not acknowledged in any way form or fashion that I am disputing this account because OF identity theft. I have requested multiple times over the years for them to provide me with something pertaining my signature showing I opened and obtained this account and provided my signature. Capital One reported to all three credit girls that this account Belongs to me and has not provided any proof of my signature that I requested to open this account. I provided to all three credit girls a copy of an FTC report as well as a police report requesting to have this account removed from my credit report. The account was removed for about XXXX months and then on the third month I saw that the credit card account was replaced onto my credit report Im not sure if this is legal however I have reached out to them directly I have faxed over information that they requested and provided a copy of the FTC report the police report and a copy of my identification. Despite my efforts to prove myself to be honest by providing what they requested and work with them to let them know that my identity has been stolen. Capital One continued to reply that that this account belongs to me. however according to the law Capital One is required to provide some thing obtaining my signature and proof the account belongs to me. I still have not yet been provided with that information, I have made it very clear to Capital One that I will continue to dispute my claim with all three bureaus until they have completely removed this account from my credit report. Im not sure if it is illegal for them to remove an account from my credit report for XXXX months and then place it back onto my credit report. that is what has happened each time I made a dispute. This account was open and obtained online using all of my credit information. I am a victim of identity theft. I even suggested that the credit bureaus take a look at my other accounts of good standing and never late. This is the only account for a much smaller amount than what my credit limits are with other credit cards. I have no other debts besides this one. I have XXXX other accounts never late and always paid on time this account with capital one is hurting my credit and preventing me from obtaining other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Original complaint # XXXX Within the previous complaint I filed US Bank admitted ( in their written response ) they initially thought funds that were credited to my account were from the HAF Program. US Bank stated in the letter that the funds were from the loan modification ( which I was only aware of the distribution of payments/funds XX/XX/XXXX when I called to inquire. 

( Please see statement from US Bank response to previous complaint ) " On XX/XX/XXXX, you spoke with an agent regarding cancelling the modification and using the HAF assistance funds to bring the account current. The agent informed you that HAF funds had been applied to your account and they would attempt to cancel your modification. Upon further review, we determined the funds that were applied to your account were the result of the loan modification, not HAF funds. '' I was not aware of the funds being applied because of the loan modification and not HAF ; therefore I received incorrect information pertaining to my account. 

The account is current because I also had to make a payment with the loan modification. US Bank also failed to include in their response that I applied several times beginning XX/XX/XXXX until XX/XX/XXXX ( denied several times and received incorrect information from US Bank representatives ) for a loan modification with the same information that was used to complete the last request ( XX/XX/XXXX ) for a loan modification. This process alone was extremely stressful due to the COVID pandemic as well as financially due to the hardships I experienced. 

I also forwarded my HAF Award Letter on XX/XX/XXXX as well as called several times in reference to US Bank receiving the letter. From my understanding the award letter could be forwarded to the lender as a correspondence to show the customers award amounts. I also forwarded the letter which clearly show forward payments for 18 months. The loan modification was completed on XX/XX/XXXX which is after the award letter was sent via email. The funds for the past due balance were sent back because US Bank purposely waited until the timeframe to cancel the loan modification had passed. I'm still unsure if my forward payments will be applied to my account once they are received from HAF. 

I have attached the HAF Award Letters ( which was sent to the XXXX email address ) as well as my initial mortgage assistance application and hardship dated XX/XX/XXXX ; which is the time I initially requested assistance to bring my account current

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: VA

Complaint narrative:
SafeRent Solutions is reporting items on my background check that are stale, being older than 7 years which has resulted in the denial of my application to a rental property. When contacting them and disputing the reportings, they say that the FCRA laws do not apply and is a state by state case.

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