vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were not authorized by me and I need them closed and removed as 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I requested for Transunion and XXXX to delete the Chapter XXXX and XXXX bankruptcies from my report. they told me that they got my information from the bankruptcy courts, but i have proof that it was not true. I then demanded that they remove this from my reports and they have yet to comply. I have given them months to rectify the situation and they have yet to comply. The courts sent their response back in XX/XX/year>.

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 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I tried to send money to my fiance in the XXXX XXXX. We are building a house there. I teach in XXXX XXXX XXXX XXXX months a year. My XXXX wired money from my account several months ago because I had no way to get money and very few businesses in rural areas take credit cards. Then, a couple months later, she was away due to an emergency so I asked someone else to wire me money so we could continue to build. Now, I am back in the XXXX to get some more money to finish the house. I was refused, and no reason was given. ( The older bankers know me because I have been banking at that location for nearly XXXX  years. ) I have more than {$30000.00} in my account and wanted to send < {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity bank claims I did not make a payment of {$41.00} on XXXX despite the fact it was processed through my bank, XXXX XXXX XXXXXXXX and paid to them. I have sent a copy of the check XXXX sent as well as a print out of the on line transaction showing the {$41.00} deleted from my account to pay XXXX XXXX credit card. I paid the bill on line through my XXXX XXXX XXXX account. I have called multiple times over these months and have had no resolution. I even went to the bank and did a three way phone call on XXXX with XXXX and Comenity to no avail. I dont understand what else I can do. They continue to send me letters and bills with ever increasing late fees. I feel I am being harassed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
On XX/XX/year>, I bought a number of electronics from XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan. The products were returned XX/XX/year> and XX/XX/year>. The amounts were : {$120.00} {$84.00} {$50.00} {$50.00} {$49.00} {$42.00} {$31.00} {$31.00} {$31.00} {$30.00} {$29.00} {$26.00} The products were returned due to being not as described ( defective ). Due to the use of third party payment software, the company could not provide a return on the spot and requested I dispute the transactions with my bank, which I did. 

On XX/XX/year>, my bank, Current, informed me they had contacted the merchant and confirmed that no error occurred and that they would not be providing a refund. So, I went to the store and spoke with the owner, who informed me that Current never attempted to contact him and provided me a sworn affidavit stating that I returned the products and that he authorized the return of my funds. He also provided a sworn affidavit that Current never attempted to contact him and that he never confirmed any information to them regarding these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered to me.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" SEE ATTACHED '' DISPUTE LETTERS MAILED TO THE CREDIT BUREAUS ON SEVERAL OCCASIONS WITH NO RESPONSE WHATSOEVER.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" SEE ATTACHED '' DISPUTE LETTERS MAILED TO THE CREDIT BUREAUS ON SEVERAL OCCASIONS WITH NO RESPONSE WHATSOEVER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I don't recall opening any student loans for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and Im at a loss as to how they got there. I check my credit regularly, but these discrepancies just appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. Please ensure that the documents I submitted are thoroughly reviewed so I dont have to keep worrying about this.

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 2024-10-09 00:00:00
Product: Credit reporting 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX, I received a call from them XX/XX/year> that I owed a debt after I notified XXXX portfolio to send me a validation letter they went off to tell me to give them my email. I told them to send me a validation letter thru mail in which they seemed to have my address and include all info I needed from them. Very rudely he said u already know what u owe even to call me a rude name. This is very rude and unnecessary tactics and very unprofessional and he did not have to call me an unpleasant name. Please investigate this company. This was my first time speaking with them this is very unfair and did make me feel uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XXXX, XXXX, and XXXX have my Santander Consumer USA account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under XXXX. 

Date : XX/XX/XXXX Amount : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : -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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax, XXXX, and XXXX all show alternate information and incorrect reporting for matters corrected by creditors. 

I have sent several mailed in requests months and months ago to remove incorrect information like other peoples names from my credit profile. 

they continue to add erroneous information regarding the XXXX resolved case- they added 4 years of charge off XXXX  when it was previously XXXX XXXX XXXXXXXX has provided them reporting that account is closed and paid and never late and though i returned the car to XXXX for being recalled for a safety issue it still appears as voluntarily reposted or surrendered. this is not correct they refuse to correct the name versions on my report and do not report the positive and paid off accounts in good standing. 

all three agencies must be in XXXX  as the shas caused major issues if a bank only uses on company. 

please let me know how we can speak to someone to correct these issue it is affecting my credit and this is specifically done to people of color and affects us in making purchases and obtaining credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on the ftc 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Bank # XXXX ; Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from XXXX XXXX stating that my account would be charged off within 5 days unless I resolved the issue I reached out that same day to explain my financial hardships. The very next day, I received a communication indicating that I had 30 days to rectify the situation and given a case number. Despite the 30-day notice, XXXX proceeded to charge off my account before the 30-day period had elapsed. 

When I contacted XXXX  to clarify this, I was informed that the agreement was no longer valid due to internal department changesinformation I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today ( XX/XX/XXXX ) on my third attempt to reach out and get a fair resolution I asked to speak to the supervisor but after being on hold was told it would not be possible with no clear reason why, so I asked if they could please have her call me back and they said it was not likely to happen. 

I am requesting that TransUnion investigate this matter thoroughly and remove this inaccurate and deceptive charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I applied for the loan with Mosaic, Once the loan was approved, the funds were sent directly to XXXX, XXXX failed to do complete any work, and now I have Moasic contacting me about a monthly payment when no work or services were completed. In addition, XXXX has contacted Mosaic both by phone and with a letter confirming that they failed to complete any work and they are taking full responsibility for the loan. 

I have aslo contacted Mosiac by phone and in writing requesting that due to breach of contact and no work or services recevied, you would like a full cancellation. Mosiac refuses to cancel and due to this and I am being impacted negatively on my credit and this has created financial hardship for me and my family.

The Mosiac loan number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 explanation