vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: MA

Complaint narrative:
Debt collection agency, Hunter Warfield Inc., filed a derogatory collection statement to Credit Report Agencies ( XXXX  and XXXX  ) for a debt that is not mine. 

I received no notice from Hunter Warfield of this. 

The debt was owed by my brother-in-law to his landlord, XXXX XXXX XXXX, in XXXX, XXXX, for unpaid rent. I was a guarantor of the rent for his 1st year, but the unpaid rent was owed after he renewed without my guarantee. 

I received no collection attempt from the Landlord, since I clearly had zero responsibility. 

Hunter Warfield apparently acquired the debt from the Landlord and likewise did not contact me for any collection attempt. Only contact was its filing to the Credit Report Agencies. 

I have filed disputes with each of XXXX and XXXX on this. 

But i would also like to submit this complaint to CFPB against Hunter Warfield directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I signed up for Experian Boost on XX/XX/XXXX and have since disconnected the service. I have also tried to unsubscribe from their marketing emails- and there is no way to unsubscribe. This is the message at the bottom of the email instead of an unsubscribe option : " Why am I receiving this email? This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

This particular email that I just cut & pasted the message above from was asking me for a review. I've also received credit card offers and other emails begging me to add onto their services ( such as a dark web scan ) - when all I want is for these emails to stop. Its WRONG for them to be able to send marketing emails anyway - after labeling them 'status of your account ', when that isn't true. We should be able to unsubscribe from ALL of their communications, especially marketing stuff like 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 explanation
Consumer complaint received 2023-04-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased driving lessons on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX XXXX on my Tj maxx rewards card. I was never scheduled for them. After contacting the company several times by ph, virtual chat, email ect. I showed up in person to a empty building to be informed by their neighbor they were filling XXXX XXXX and parents were coming by to investigate to see why no one can get ahold of them also was told to look up XXXX XXXX they were on the news for it as well. I called my credit card company on XX/XX/XXXX to start a dispute. I was denied and told I signed a contract saying no refunds no cancellations. So I sent another appeal saying I didn't cancel. They went out of business before I could get my services. I received another denial letter XX/XX/XXXX saying I received my services which I did not. Please help me get my refund

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 monetary relief
Consumer complaint received 2023-04-09 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: IN

Complaint narrative:
Numerous of unauthorized hard inquiries on my credit report from XXXX and Equifax. I've tried to call XXXX to get these inquiries removed but they keep denying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
XXXX was submitted information and court documents involving Rent Recovery solutions fraudulent claim of debt owed to the XXXX at XXXX in the amount of {$7600.00}. When contacted on results of the dispute XXXX verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. XXXX then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX at XXXX was in litigation with me over the matter and on XX/XX/2023 I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute via certified mail to Transunion in regards to the collector XXXX XXXX XXXX and it was filed on XX/XX/2023 including court documents for removal. Transunion removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX at XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint 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 2023-04-09 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: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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
Consumer complaint received 2023-04-09 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: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with reporting credit reporting agency. It has come to my attention that you have included false information, which has had a significant negative impact on my credit score and my ability to access credit to help support for my family .these inaccuracies hindered me from XXXX XXXX XXXX and believing financial stability for m family .it is completely unexpected that Im being stopped and hindered from doing these things because of false information and incorrect inquiries Thank you 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 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
I submitted a dispute via certified mail to XXXX in regards to the collector Rent Recovery Solutions and it was filed on XXXX including court documents for removal. XXXX removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX XXXX  XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
n 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. 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 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. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have found errors on my credit report filed by EQUIFAX. I have contracted them by mail the week of XX/XX/2023 and the week of XX/XX/2023 and they have failed to respond to my letters. I inquired about a charge off account from XXXX XXXX XXXX & late payments being reported by XXXX XXXXXXXX XXXX. the company is reporting inaccurate information on my credit report. I have asked that the information be verified twice, with legal documentation again, ignored /no response. FCRA States that all information on credit report must be accurate and true. Equifax has violated this act ( U.S.C 1681B ) PERMISSABLE PURPOSE. Equifax has failed to respond under time allowed by federal law. I know ask for your help in getting Equifax to respond by deleting the information that their reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
My card was comprised on XX/XX/ heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting XXXX XXXX denied my dispute with no evidence how they reach that agreement I am highly upset I also filed a police report. I did not authorize none of those chorales my information was stolen along with my wallet and bag I will be reaching out to an attorney

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 2023-04-09 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: SC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Defamation of character and reporting false and inaccurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX WEBBANK/PAYPAL BC/CCC XX/XX/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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a bankruptcy account removed ( as it was at the 10 year max ) and once it was removed my credit score fell XXXX points. I have zero negative accounts and a good payment record. I have had credit closed and refused. I tried calling Transunion to no avail. They just keep you on hold forever. I think my score should be reconsidered. This is simply ridiculous. I understand that if your credit is not " old '' it may count against you but the severity of the drop is not fair at all.

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 2023-04-09 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: SC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with reporting credit reporting agency. It has come to my attention that you have included false information, which has had a significant negative impact on my credit score and my ability to access credit to help support for my family .these inaccuracies hindered me from XXXX XXXX XXXX  and believing financial stability for m family .it is completely unexpected that Im being stopped and hindered from doing these things because of false information and incorrect inquiries Thank you 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 2023-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with reporting credit reporting agency. It has come to my attention that you have included false information, which has had a significant negative impact on my credit score and my ability to access credit to help support for my family .these inaccuracies hindered me from XXXX XXXX XXXX  and believing financial stability for m family .it is completely unexpected that Im being stopped and hindered from doing these things because of false information and incorrect inquiries Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: IL

Complaint narrative:
Sure, I can help you with that. Here 's a sample credit report complaint to the Consumer Financial Protection Bureau ( CFPB ) : Dear CFPB, I am writing to file a complaint about the credit reporting practices of the major credit bureaus. 

On multiple occasions, I have attempted to reach out to the credit bureaus to dispute errors on my credit report, but my attempts have been met with indifference and a lack of response. 

As a responsible consumer, it is important that my credit report accurately reflect my credit history. Yet, despite my efforts to correct errors, inaccurate information remains on my report. This has caused significant harm to my credit score, limiting my ability to obtain credit and other financial opportunities. 

I urge the CFPB to take action against the credit bureaus and ensure that they comply with federal laws governing credit reporting. Specifically, I request that the CFPB investigate the practices of the credit bureaus and hold them accountable for any violations. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Agency of Credit Control
State: CO

Complaint narrative:
During the FEDERAL MORATORIUM ON EVICTIONS I was leasing a house from XXXX XXXX XXXX XXXX. I am also a XXXX XXXX. My merchant processor and bank froze our accounts at the same time, and 7 days later XXXX XXXX XXXX XXXX taped an eviction letter with bright orange duct tape across my garage door. I tried contacting XXXX and explaining to him what was going on, and he was not hearing it. He sent the police to evict me out of the house during the Federal Moratorium On Evictions. He then proceeded to sue me and due to covid, I was not able to make it to the court hearing and received a judgement in the amount of {$4000.00} which is now affecting my credit report. They have additionally tried to seize my assets through my bank account once. I would like this removed from my credit report as well as information on suing this company for violating the Federal Moratorium on Evictions signed the President of the United States. I ended up living in my car for XXXX weeks due to this, and then came up with enough money to rent an XXXX XXXX for 3 months while saving more and the owner of that XXXX XXXX  leased me an apartment. But his company left me on the street during the hardest time of my life. Please provide information & help me remove this from my credit report, and make this company pay for the damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2023 I called Upstart to payoff my personal loan. Their representative was unable to take my payment over the phone so I told them I would send them a check that would be received on XX/XX/XXXX. I asked what amount It should be made out for to pay off my loan in full, which they provided to me. They told me it was good for 10 days. I sent the check and followed up with another call on the XXXX. I was then told it can take up to 2 weeks for the check to be processed and posted to the account. Several days later the payment posted to the account but I was shocked to see they were still charging me interest resulting in additional balance remaining. To my knowledge the purpose of requesting a payoff amount is to insure the payment you make will cover any additional costs associated with the closing of the loan. I was clear with my request and intentions on the phone about wanting to pay the loan in full including the method to do so and the dates involved.

Company response to consumer: Closed with explanation