vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
XXXX. Money order lost - called Western Union phone call center and was directed to complete a web form XXXX. Web form submitted to western union on XXXX XXXX. XXXX reply dated XXXX stated would hear back in 30 days XXXX. As of XXXX never received response as advised in XXXX automated email - iCare case number is ******* with Western Union XXXX. On XXXX called Western Union customer service line. Phone rep failed to understand issues and was not attentive XXXX. Phone rep stated case was closed on XXXX but no case disposition communication was sent to me XXXX. According to rep case was closed citing inadequate documentation- the grocery store receipt was attached and the supermarket could not provide me with the serial number of the money order. 
XXXX. Western Union FAILED to follow up as promised in the communication dated XXXX by email XXXX. Western Union did not respond and failed to meet its fiduciary duties and responsibilities XXXX. Over 30 days have elapsed with no response from Western Union even though they acknowledge receipt of the lost money order case in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter in the mail XX/XX/year> dated XX/XX/year>. I had applied for a credit card and Experian sent me a response saying I was denied. Reference application # XXXX. My score decreased from 784 score to 663 in less than 2 years. I sent a request XX/XX/year>, per their guidelines, for my credit report to address what they are saying. XX/XX/year> I received a letter, not a credit report showing who was providing their low score. They checked and never told me who was reporting the problem. 
I need the credit report to show who or what is making my score so low.

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 2024-04-08 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: AR

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX XXXXXXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX XXXXXXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX XXXXXXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXXXXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MD

Complaint narrative:
I was contacted by XXXX XXXX They told me that they purchased the account from XXXX XXXXXXXX XXXX. I was instructed to pay the amount due within 30 days or they would report it to the credit bureau. I paid the amount due and received a letter of satisfaction. 

The status is being reported as unknown in place of paid in full. 

XXXXXXXX XXXX stated that they did not report to the credit bureaus so I needed to contact XXXX XXXX XXXX who last reported to make the changes. 

I attached letter of satisfaction.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was contacted by XXXX XXXX They told me that they purchased the account from XXXX XXXXXXXX XXXX. I was instructed to pay the amount due within 30 days or they would report it to the credit bureau. I paid the amount due and received a letter of satisfaction. 

The status is being reported as unknown in place of paid in full. 

XXXX credit stated that they did not report to the credit bureaus so I needed to contact XXXX XXXXXXXX XXXX  who last reported to make the changes. 

I attached letter of satisfaction.

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 2024-04-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies Transunion, and XXXX do not have my consent to furnish this information, per privacy act of 1974.I am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds

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 2024-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies XXXX, and Experian do not have my consent to furnish this information, per privacy act of XXXX am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
According to my credit report, the original creditor named XXXX XXXX XXXX XXXX was removed from my credit report as of XX/XX/24XXXX LVNV FUNDING LLC purchased this debt from XXXX XXXX XXXX XXXX  and alleges that I owe the debt. Also according to my consumer reports from XXXX, XXXX, and XXXX, they are all showing different account statuses which is harming my ability to obtain credit for an automobile. 

As a consumer, I am entitled to receive certain information under the law governing debt collection practices ( 15 USC 1692a ). Within five days of the initial communication with me regarding the collection of a debt, the debt collector must provide me with a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement informing me that unless I dispute the validity of the debt, or any portion of it, within thirty days of receiving the notice, the debt will be assumed to be valid by the debt collector.

4. A statement informing me that if I notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against me, and will mail me a copy of such verification or judgment.

5. A statement informing me that, upon my written request within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor. 

These provisions are in place to ensure that I, as a consumer, am provided with essential information about my debts and am afforded the opportunity to dispute any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: PA

Complaint narrative:
There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX ) XXXXXXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).

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 2024-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX ) XXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).

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 2024-04-08 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: GA

Complaint narrative:
On XX/XX/24 I wrote to transunion to have some inquiries investigated and removed. I spoke to the company and were told to dispute it with transunion. Transunion never responded to my investigation and it has been almost 60 days this is unacceptable.

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 2024-04-08 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 am writing to file a formal complaint against Equifax regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/2024, I submitted a dispute to Equifax regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including copy of bank statement and drivers license. However, Equifax has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. Equifax 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Equifax for violating consumer protection laws. I request that Equifax be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
The company attempted to get us to purchase a XXXX XXXX we were not interested and left. Later I received a credit card from Barclays Bank Delaware causing damage to my credit.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm frustrated and I'm upset. I have been charged excessive and predatory fees. Iv canceled my accounts and ordered new cards and been assured that no company can charge my new card. Infant I haven't even activated my new card. How would it be possible to charge an unactivated card? I was just recently charged for an insurance claim I canceled months ago. Iv tried three times this morning to contact customer service. They berated me and belittled. Talked to me like I was XXXX and when I get frustrated they immediately hang up on me. This is getting oit of hand. How am I supposed to handle this if the bank refuses to provide customer sevice?

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 2024-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I informed XXXX that I would like to do a Deed-in Lieu ( DIL ) & be released from the mortgage. I was previously in a forbearance plan & each representative I spoke with advised me to wait until the end of the forbearance to start any other process, such as a modification, etc. At near the end of the forbearance period I received a call from XXXX XXXX XXXX XXXX. I informed them of my desire to leave the property via a DIL. The rep advised that other steps had to be taken before a Short Sale or DIL could be entertained. The rep advised to start with a modification request. I asked what paperwork is needed for the modification and the rep told me that no paperwork is required since I have an XXXX loan, just call and give my income & expenses to start the process. My forbearance expired on XX/XX/24, so I called XXXX around XX/XX/24 to get the modification process started. The rep advised that I would need to fill out a modification form. I advised her that the previous rep said no form was needed for XXXX loans. The 2nd rep reviewed the notes & XXXX guidelines and agreed that no form was needed. She took my numbers & submitted the request. I called back on XX/XX/24 to make she XXXX had everything needed to process the modification. The rep again said I needed to fill out a form. I again advised that I was told a form was not needed. The rep said that the form is need because I was requesting a DIL to leave the property. I inquired as to why DIL paperwork is needed when we are not at that step yet. The rep insisted that the DIL paperwork was needed for the modification request, along with a letter explaining my hardship. I received the paperwork by email that same day. However, the form states " No documentation required '' for XXXX loans. I am submitting this formal complaint because I have not received any official response to my modification request. All contact has been me calling XXXX & receiving conflicting information. I would like to know if I am in the loan modification process or the DIL process. Depending on which process I am in, please advise if XXXX needs any info from me so that we can expedite the process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: Global Lending Services LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief