vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: NY

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 Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MD

Complaint narrative:
Need my information to updated on my report and 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 2023-05-05 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: MD

Complaint narrative:
Need my information to updated on my report and 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 2023-05-05 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 non-monetary relief
Consumer complaint received 2023-05-05 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: MS

Complaint narrative:
I submitted a complaint last XXXX, XXXX and it was closed immediately. I submitted a complain again last XXXX, XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-05 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: MS

Complaint narrative:
I submitted a complaint last XXXX, XXXX and it was closed immediately. I submitted a complain again last XXXX, XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-05 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: NE

Complaint narrative:
An old address appears on my Experian Credit Report that does not appear on my XXXX, or XXXX. I have disputed the error numerous of times and Experian refuses to remove it because it identifies with a couple collections account that I also am disputing that aren't mine. I have filed complaints with CFPB about this matter in the past and Experian is still aren't cooperating to remove the accounts and address that isn't mine. From my research Experian is in the mist of an Class A Action Lawsuit because of the same thing that I am submitting an complaint about today.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report is reporting incorrect information like address, score, inquiries and other important details.

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I had paid XXXX XXXX their installments on time. In XX/XX/XXXX, I submitted a XXXX claim to XXXX XXXX XXXX XXXX regarding a XXXX which left me XXXX. However, I was denied because I was already on a permanent XXXX from years ago. XXXX XXXX has charged me a XXXX premium since XXXX. They were aware I was on XXXX at the time of the enrollment. Since they denied my claim, I requested that I receive a credit for 8 years of premiums charged for XXXX coverage. XXXX XXXX issued a credit for only 5 months of premiums. They did not issue a credit for the remaining XXXX years of premiums AND interest that was charged/accrued during those 8 years on that account. I requested a new statement so I may review so I may pay the balance, if any, off. XXXX XXXX did not send a revised statement showing the deductions for the unauthorized billing. However, XXXX XXXX sold this account to LVNV and Resurgent Capital Services. I have attached letters requesting that LVNV send me an itemized statement of the balance and a copy of the contract which proves the XXXX XXXX sold them this disputed debt. LVNV violated the FDCPA Rule 809, validating the debt of {$2000.00}. After several phone calls and email, I told LVNV to explain why they added over {$1200.00} to the debt which had not been adjusted for the unauthorized premiums and interest. LVNV did not reply. Instead, LVNV reported to the Credit Reporting Agencies that I was delinquent on the debt. LVNV was not authorized to report anything to the Credit Reporting Agencies since it was a third party who did not validate the amount of the debt and that the debt was sold to them. LVNV has damaged my credit score since XX/XX/XXXX when they started reporting I was delinquent on the unauthorized debt, violating the FCRA. They continue to ignore the disputes I have filed with XXXX XXXX XXXX XXXX. It has been reported to CFPB regarding these XXXX coverages sold by third parties to Customers which compensated the person selling the coverage. The person who took my application knew I did not qualify and processed the application anyway. LVNV is a predatory debt collector who is operating a business that has defrauded me and my credit report. XXXX XXXX has stated that the debt was no longer on their books and did not try to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2023, I sent {$400.00} worth of money to my brother in XXXX for his school fees via Money-gram online mobile wallet service. After I received the reference number, I sent it to my brother via XXXX. When I checked in with him if he received the money he replied, No and he had not received it yet. I was a bit confused because it was suppose to be instantaneous. 

I decided to call Money-gram customer service. They told me, give it 24 hours and if my brother, the receiver did not get it by then, call them back. 24 hour came and gone and still no money was in his mobile wallet. I called Money-gram customer service again, this time they told me, there is nothing they can do but give it 90 days to get some resolution. 

I contacted my brother to tell him the disappointed news and he wrote back a message via XXXX saying that the money was received by some other person which seems to have the same number as him, weirdly, however, the person contacted him to let him know they wanted to make sure the money get in to the right hands but my brother has to get in touch with the sender company to get the money properly transferred in to the correct account. All of this communication between my brother and the other person was screen shotted and later used to sent to the companys email. 

I was glad to get his information from my brother and shared it with Money-gram team, however, when I contacted money-gram via phone call to speak with their customer service rep and told them the good news, the rep told me to email the screen shot conversation. I did exactly what she said. I called back the next day to verify they got the email but was told that I have to continue waiting the duration of the 90 days before they can get to the resolution of the problem. 


I was extremely disappointed to hear its going to take 90 days in order to get some answers as to what happened to the money so I kept on calling them every week and it has now reached over 45 days and their response has been the same. My brother still havent gotten the money and currently can not attend school until he received the money. He is missing out on his college education and we still have no answers, besides wait until 90 days. 

I refuse to wait the entire 90 days for them to continue to tell me the same message ( That my brother recieved the money ) which I know its not true. I am extremely frustrated, mad, and confused on what I can do to get my money back. I would like to take them to small claims court but I know I have to try this step first before that. Can you all please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-05 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-06 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-05-05 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I was called by Genesis Credit Management/Columbia Debt Recovery XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX phone : XXXX ) at XXXX on XX/XX/XXXX regarding a debt that I never received noticed of for {$200.00} ( but on the phone the representative said it was {$210.00} ) that was sent to the collector by XXXX XXXX XXXX  for XXXX` damages ''.

I asked what I could do, because I was never notified by mail by either the collector or the apartment complex itself ( I have not lived in that apartment for 4 years and received my whole deposit back after moving out ). I received an email on XX/XX/XXXX from the collector, however it did not state what the company was and looked like a suspicious link. I was not told that I could dispute this action or ask for proof, despite me asking the representative multiple times what I can do in this situation. I also told the representative, XXXX ( direct phone XXXX ), that I won't be able to pay until I get paid which is XXXX  XX/XX/XXXX, and she said " you're lucky I even am doing this for you '' " you should know better '' and " you will have to pay now or I will be send this to the credit bureau and that won't be good for you. '' I was also told that no, they could not call me back, and no they can not send me an email or a letter regarding this debt. 

I paid the {$210.00}, so I'm also not sure if I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX, Equifax XXXX XXXX, I am writing to request the removal and deletion of hard inquiries from XXXX XXXX XXXXXXXX XXXX credit report. The inquiries that need to be removed are as follows : - An inquiry from XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am making this request under the following laws : SECTION 604 15 U.S. CODE 1681B Permissible purposes of consumer reports. This law states that consumer reporting agencies may furnish consumer reports only for certain purposes, including credit transactions, employment purposes, and insurance underwriting.

SECTION 605 A 15 U.S. CODE 1681C-1 Disclosure of investigative consumer reports. This law requires consumer reporting agencies to disclose to a consumer if an investigative consumer report was obtained for employment purposes.

SECTION 605 B 15 U.S. CODE 1681C-2 Block of information resulting from identity theft. This law requires consumer reporting agencies to block any information in a consumer report that results from identity theft.I believe that the above-mentioned inquiries do not fall under any of the permissible purposes of consumer reports. Therefore, I request that these inquiries be removed and deleted from my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief