vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXXXXXX XXXX XXXXXXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2022, someone signed up for a MoneyGram account using my email address, XXXX. 

From there, they attempted to send {$2100.00} through MoneyGram, but XXXX denied the transaction. Shortly after on the same day, they were able to send the same amount, {$2100.00}. 

XXXX did not flag this transaction and allowed it to proceed. The recipient was named XXXX XXXX XXXX. This person is unknown to me. The receiver state is Nevada and it was listed as a cash pickup. The MoneyGram reference ID is XXXX. All of my information used in the transaction as the sender was valid, but not provided by me. 

Next, on the same day I received a notification saying the money had been picked up. 

Then, there was another attempt to transfer more money, but it was denied by MoneyGram. Shortly after, another attempt was made and the money was sent, {$1800.00} and picked up. 
Reference ID : XXXX I was unaware of the charges as I do not regularly check my email. I was only aware of the missing money once I checked my bank statement from XXXX. It was at this time, XXXX temporarily credited my account, pending investigation. XXXX attempted to get the funds back from MoneyGram, however their claim was denied. I requested the evidence sent from MoneyGram to XXXX and found some discrepancies. 

The IP address used by the sender was listed as XXXX, which does not appear as a valid IP. This was the evidence used by MoneyGram to validate that I was the sender, as the claim is that this is a California IP address. 

From here, I filed a local police report in XXXX XXXX XXXX, CA. The event number is XXXX, dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
There was a credit card issued through Comenity Capital Bank in Ohio that I did not apply for or activate. A small charge was made using this card to XXXX XXXX A small item was delivered to my address, I did not open and wrote did not order return to sender. About two weeks late I received a credit card through the bank Ive mentioned above. As all cards a sticker on the face of the card had a number to call to activate card. I did not activate card and cut it up and disposed of it. Now unpaid balance was reported to XXXX XXXX and XXXX which has dropped my credit score over XXXX pts on each. My credit score had been over XXXX for many many years. 
Not sure how this card was issued but definitely not by me. I need assistance in resolving this please. The call I made supposedly to this Bank I got the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a fraudulent account in my Equifax credit report which is : Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 4 Months Length of Credit History 6 Years, 4 Months Oldest Account XXXX XXXX | XX/XX/XXXX Most Recent Account XXXX XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2022, I dispute a transaction through Capital One on the ground of dissatisfactory service from the merchant. Capital one issued a temporary credit. However, on XX/XX/XXXX, Capital One withdrew the credit due to the merchants response no cancellation shown. This is different from the reason why I disputed the transaction. I am disputing the transaction because of dissatisfaction of the service from the merchant, not because a cancellation. 

Capital One Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MS

Complaint narrative:
On XX/XX/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being the United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any other credit reporting agencies. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and yet to remove this from 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 2022-12-27 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: GA

Complaint narrative:
Please Help on XX/XX/1922 I called Equifax to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from Equifax is telling me something else and stating that this inquiry is to remain on my credit file? Equifax is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-27 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: CO

Complaint narrative:
I have sent two letters to Experian, one in XX/XX/2022 and the other in XX/XX/2022 regarding an account that they are completely reporting inaccurately. 

They have listed the account as " verified consumer disagrees ''. However I believe this to be false, due to the fact that if they actually investigated it, they'd see how THEIR reporting is NOT ACCURATE. 

1 ) The account is CLOSED- they have it listed as OPEN. 
2 ) They have a balance reporting, it should be XXXX. 
3 ) The Payment status is reporting " current was past due 180 days or more '' which is INACCURATE- look at the two year history there is not a late payment on there at all. Secondly, a payment status is supposed to be THE CURRENT PAYMENT STATUS - which would be " Paid as agreed ".

4 ) They do not have a last payment date, last active date is incorrect This is ALL WRONG and it is NOT the furnishers error- it is EXPERIANS MISREPORTING of information. 

Ive attached BOTH letters I send via certified mail, as well as a copy of my credit report supplied by Experian highlighting the inaccurate information.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 an 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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

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

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

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 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I used to be a customer until they sold my account. I didn't know nothing about Loan modification and was told by a Representative that my same loan would continue but it would be cheaper. Didn't know I would have to start over from day one after 10 years

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have had this billpay account for 10 years and this has never happened before. On XXXX XXXX I had a payment to XXXX XXXX XXXX set up to be paid and the check was sent out ( see attached ). I got an email stating I had to confirm the check was good from the fraud department, I checked the " yes '' box ( this was the second payment to this company in a month and the first payment I had to call the fraud dept and they paid that check ). Why then would they ask if this second check was good or not. I also have plenty of funds to cover that check on the 16th ( see attached account summary ). On XXXX XXXX I received a call from this vendor that the check had been sent back by XXXX as a " charge back ''. I was so embarrassed as this is a new vendor of my company. I made an inquiry and just got a generic response ( 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 2022-12-27 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:
Attempted to validate account in writing twice and have not received a response, the status has not been updated as disputed on my credit report. 

First Attempt occurred on XXXX No response 2nd Attempt occurred on XXXX No response

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 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX we fell behind on our mortgage... address was XXXX XXXX XXXX Texas XXXX... they told me that I had to pay {$5000.00} something before XX/XX/XXXX to keep my home... my wife went and got a {$5000.00} loan in XX/XX/XXXX and I called Wells Fargo and told them that I had {$5000.00} I could pay and they said that I had to pay the total amount to keep them from foreclosing... So we moved out and they put the house up for auction ... trying to figure out if I am eligible to be in this class action law suit... 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 explanation