vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 seven 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 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 2024-03-19 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They are violating my privacy per title XXXX part XXXX I never gave them written consent to put this information on my report. 

The XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) is a federal law enacted in XXXX  that protects the privacy of XXXX XXXX  records. XXXX applies to any public or private XXXX XXXX XXXX XXXX XXXX. It also applies to any state or local XXXX  agency that receives funds under an applicable program of the XXXX XXXX XXXX XXXX. 

The Act serves two primary purposes : It gives parents or eligible XXXX  more control over their XXXX  records, and It prohibits XXXX  institutions from disclosing personally identifiable information in XXXX  records without the written consent of an eligible XXXX, or if the XXXX  is a minor, the XXXX parents ( XXXX U.S.C.S. XXXX ( b ) ). 
An eligible XXXX  is one who has reached age XXXX or attends a XXXX  beyond the XXXX XXXX level. 

Subpart DMay an XXXX Agency or Institution Disclose Personally Identifiable Information From XXXX  Records? 

XXXX Under what conditions is prior consent required to disclose information? 

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an XXXX  agency or institution discloses personally identifiable information from the XXXX  's XXXX  records, except as provided in XXXX. 

( b ) The written consent must : ( XXXX ) Specify the records that may be disclosed ; ( XXXX ) State the purpose of the disclosure; and ( XXXX ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( XXXX ) If a parent or eligible XXXX  so requests, the XXXX  agency or institution shall provide him or her with a copy of the records disclosed; and ( XXXX ) If the parent of a XXXX  who is not an eligible XXXX  so requests, the agency or institution shall provide the XXXX  with a copy of the records disclosed. 

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( XXXX ) Identifies and authenticates a particular person as the source of the electronic consent ; and

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 2024-03-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
They are violating my privacy per title XXXX part XXXX I never gave them written consent to put this information on my report. 

The XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ) is a federal law enacted in XXXX  that protects the privacy of XXXX XXXX records. XXXX applies to any public or private XXXX XXXX XXXX XXXX XXXX. It also applies to any state or local XXXX  agency that receives funds under an applicable program of the XXXXXXXX XXXX XXXX XXXX. 

The Act serves two primary purposes : It gives parents or eligible XXXX  more control over their XXXX  records, and It prohibits educational institutions from disclosing personally identifiable information in XXXX  records without the written consent of an eligible XXXX, or if the XXXX  is a minor, the XXXX parents ( XXXX U.S.C.S. XXXX ( b ) ). 
An eligible student is XXXX who has reached age XXXX or attends a XXXX  beyond the XXXX XXXX XXXX 

Subpart DMay an XXXX  Agency or Institution Disclose Personally Identifiable Information From XXXX  Records? 

XXXX Under what conditions is prior consent required to disclose information? 

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an XXXX  agency or institution discloses personally identifiable information from the XXXX  's XXXX  records, except as provided in XXXX. 

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( 1 ) If a parent or eligible XXXX  so requests, the XXXX  agency or institution shall provide him or her with a copy of the records disclosed; and ( 2 ) If the parent of a XXXX  who is not an eligible XXXX  so requests, the agency or institution shall provide the XXXX  with a copy of the records disclosed.

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Again another loan with an illegally high interest amount..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MA

Complaint narrative:
Thursday, XX/XX/year> I sent my husband that resides in XXXX, XXXX {$370.00} which is XXXX in XXXX. The transaction was supposed to be deposited in his bank account on XXXX and its now XXXX and he still hasnt saw the money. Money Gram had systematic issues either last week or two weeks ago. Customers like myself that send weekly transactions never was made aware of it. Some parts of XXXX had an outage of data service, similar to the XXXX XXXX XXXX  dilemma that took place in XXXX. Some of it has been restored and some business have moved on to another reliable data service in parts of XXXX. The money I sent my husband is floating around out there in the cyber world. Hes made multiple calls to his bank, Ive had dead end results with Money Gram. This is becoming extremely dangerous for my husband. The money I send is for our family and him to keep a safe place over their head and this is causing a great deal of anguish and fear to my family. I send money weekly and have been for over a year and half with Money Gram. This is the worst Ive seen it by far. I just want the money rerouted back to my bank account so that we can find another options to get this money to my family. XXXX may not be a lot for the working American but it sure is a XXXX of a lot to the non working class in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding the unverified and unauthorized items on my credit report. Despite my multiple requests for investigation and deletion of these items, they continue to be reported inaccurately, which is adversely affecting my creditworthiness and financial opportunities.

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 2024-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Inquiry Regarding Wrongful Foreclosure-XXXX  ' In XXXX, I acquired a house mortgage. The address is XXXX XXXX XXXX, XXXX, Texas XXXX. 

Wells Fargo Bank was the facilitator of the mortgage, which in XXXX experienced foreclosure without modification or counseling. The amount foreclosed was {$3500.00}. 

The agency of Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX electronic publication that found Wells Fargo Bank liable for infringing on the Fair Housing Act ( FHA ), Equal Credit Opportunity Act ( ECOA ), and Community Reinvestment Act ( CRA ) that facilitate lending practices. 

Wells Fargo Bank has not communicated with me in regards with taking responsibility for the trouble that caused homelessness. 

I appreciate your guidance. 

Best Regards, 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 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just checked again my credit reports and I can still see the Fraudulent information that I was requesting to get deleted. This information is damaging my credit and it's affecting my credit worthiness.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-03-19 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Dear Representative, I am writing to formally dispute the recent entry on my credit report indicating a late payment in XX/XX/2023. According to my records and the confirmation of payment provided by Owcen/PHH , the account associated with this reported late payment was paid in full in XXXX of the same year. Therefore, the assertion of a late payment in XX/XX/2023 is inaccurate and misleading, resulting in a decrease in my credit score. 

Furthermore, I have thoroughly reviewed my financial records and can confirm that there were no outstanding balances or delinquent payments during the month of XX/XX/2023. The reported late payment is erroneous and does not reflect my account 's true credit status. 
-- In addition to disputing the false reporting of the late payment, I request that Owcen take the necessary steps to update the information with XXXX, one of the major credit reporting agencies. It is imperative that XXXX 's records accurately reflect my financial history to avoid any negative impacts on my credit score and future financial endeavors. 

I'm requesting that Owcen promptly investigate this matter and take appropriate action to rectify the inaccurate entry on my credit report with XXXX. As a responsible consumer, I value the accuracy of my credit history and trust that Owcen will uphold the same standard of accuracy and integrity. 

Please provide me a written confirmation once the investigation is completed and the erroneous entry has been corrected on my credit report with XXXX. Additionally, I would appreciate any documentation or evidence supporting the correction to ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt resolution and cooperation in correcting this discrepancy with XXXX. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 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 2024-03-19 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - 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

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