vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.These are the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX Reason : [ I WANT THIS ACCOUNT REMOVED PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ 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 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
i notice some alleged debts from ic systems on my credit report that i dont owe nor has any dealing with.I am asking for assistance in deleting these inaccurate accounts from my credit report or send me the validity of the alleged debts that i requested. see attached..

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 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I purchased a vehicle in XXXX of XXXX with a down payment of {$20000.00} I was originally told by the dealership that the internet rate would be 12 % only to later find out that it was 13.87 %. I hit a hardship where I had to make substantial repairs to the vehicle which cased me to fall behind on payments. I was 2 months behind on the payment as a result of this at the time. I was attempting to contact the lender who is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. I was unsuccessful in my efforts to speak with them. Every time I called I got the automated service. The vehicle was repossessed on XX/XX/XXXX. Upon my attempts to pay my past due balances and retrieve my vehicle I was told that they would not accept the payment but instead wanted the entire balance owed on the loan which is {$32000.00}. I attempted numerous times to get in touch with someone in charge that could resolve the matter and was not able to. I believe that throughout this entire debacle I was handled incorrectly and harmed in several ways. 
Sincerely, done in good faith all rights reserved. Authorized representative By : XXXX XXXX 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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
For your awareness, I have already tried reaching out to the following three companies ( Citi, XXXX XXXX, and XXXX XXXX XXXX XXXX ) multiple times in attempt to resolve this matter. 

I am writing to dispute a charge of {$3900.00} to my Citi Sears MasterCard account on XXXX XXXX, XXXX. This was a balance transfer charge initiated through Sears Credit Card Services online for the purpose of transferring credit owed on my XXXX XXXX XXXX XXXX " More Rewards '' XXXX XXXX credit card to my XXXX XXXX. The charge is in error because the credit owed on my NFCU card was never paid down the corresponding amount of {$3900.00}, and no such payment or indication of transfer of debt has posted in my XXXX statements. 

At the time that I initiated my balance transfer request with Sears Credit Card Services, I entered the address for payment as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ], however I later learned from my bank that since they directly manage my XXXX XXXX XXXX XXXX the correct address should have been entered as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I have tried to call Sears Credit Card Services to make this correction but was told the balance transfer was already processed and cashed by XXXX XXXX. However, representatives from XXXX XXXX credit card customer services have informed me they have no way of investigating this matter because I have no account at all with them since it is managed by my XXXX XXXX XXXX XXXX bank ( so if XXXX received the check, they presumably could do nothing with it ). XXXX has no record of the transaction themselves which they have attested in writing. As to my knowledge, my XXXX XXXX XXXX account number was entered correctly at the time of my submission of a request for balance transfer. 


Attached are the memo concerning and copy of the check Citi sent to XXXX XXXX, delivered to me as proof they had sent a check out, as well as a statement from XXXX XXXX XXXX XXXX attesting that the balance transfer check of {$3900.00} was never received. I've also included my statement of acknowledgement from Sears to begin a balance transfer, and my Sears account XX/XX/2022 statement showing the new credit owed of {$3900.00} as of XXXX XX/XX/2022.

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 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-10-18 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX 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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
- On XX/XX/2022 : I initiated a transfer of {$600.00} from U.S to XXXX for my mom using MoneyGram service. 
- On XX/XX/2022 : My Mom went to her bank to check for the money using the reference number given by MoneyGram but the transaction was not successful. 
- MoneyGram wrongfully updated the status of the transfer as deposited on my mobile app despite the problem. 
- I called their customer service to report the problem. They assured me that they would contact my mother 's bank to investigate the case. Received case number XXXX. 
- On XX/XX/2022. I received their resolution email, which said that there was a delay and they wanted to give me back the transfer fee for the transaction. 
- On XX/XX/2022. My mom went to the bank to check for the money again. It was still unsuccessful. I contacted MoneyGram customer service again and all they did was give me a new case number XXXX. 
- On XX/XX/2022, I got an email from their XXXX XXXX XXXX. He offered no help but just simply said that I had been given the resolution to the issue. He was referring to case XXXX which solved nothing. 
- Not only that, but my mom also went to the headquarter of her bank in my city to ask about the status transfer. We learned that MoneyGram made a mistake, the bank representative told us that the information about the receiver 's country was wrongfully set, thus stopping the transaction from being deposited correctly. 
- I filed another complaint and let them know about the issue on a new case number : XXXX. I also called their customer service and got told that they will try to resolve the issue in 15 days. 
- Today is XX/XX/XXXX and yet there was no answer from MoneyGram. I had to call their customer service just to get told that they will carry out an investigation and tell me to wait another 90 days. 
- Just to note that from XX/XX/XXXX on, I have restlessly tried to contact them multiple times but they keep putting me on a 90-day wait time for a new investigation. The very same kind of investigation that resulted in nothing and I doubted they did talk to my mom 's bank because if they did they would have figured out a long time ago what the problem was. 
- It's been nearly two months and my money is still up in the air. MoneyGram can't just keep customers ' money hostage like this because money affects people 's lives. My mom is desperately in need of that money but she had no other choice but to lend money from a third party that costs her a hefty interest payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have tried to do modification 5 times with this property the 4th time they declined my modification because the signature was not all on the same line. Every time I went to have it notarized I called Mr. Cooper and asked them how to sign it.. They declined my last signature 2nd 2nd to it not being all on the same line. They told me to re apply I am in the process of doing that and every time I submit information they find something wrong with it.. They tell me that it's OK and then A-day or 2 later things are not OK I am struggling with this company this company and I'm very frustrated as to why they are turning everything of in everything around and making it difficult for me to do this process I feel I need some help in dealing with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

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. 

Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 years.

15 USC 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.

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 2022-10-18 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: TX

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. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 years.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}

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 2022-10-18 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: SC

Complaint narrative:
( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX  XXXX : XXXXEquifax XXXX  : XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX : XXXX XXXX  : XXXXEquifax XXXX  XXXX NA : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXEquifax XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX OF XXXX : XXXX XXXX OF XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have had an account with PayPal for several years and have not had previous problems. 
I contacted PayPal regarding charges on my account for items that were not ordered by me or anyone in my household. 
Corrections were made for all but one charge. 
The charge that was not adjusted involved a purchase from XXXX XXXX in the amount of {$200.00} dated XX/XX/2022. 
The {$200.00} was withdrawn from my bank account by PayPal on XXXX XXXX I received a statement from PayPal stating that after review they found that this WAS NOT an UNAUTHORIZED transaction. 
I also contacted XXXX XXXX on XXXX was subsequently informed that they are investigating At this time I have not been refunded for this unauthorized charge

Company response to consumer: Closed with monetary relief