vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: OH

Complaint narrative:
On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as XXXX, XXXX, and Transunion have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies. 
Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information. 
Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that XXXX, XXXX, and Transunion has failed to fulfill its obligations under 15 USC 1681s-2, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress. 
I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.

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 2023-10-24 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: OH

Complaint narrative:
On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as XXXX, Equifax, and XXXX have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies. 
Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information. 
Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that XXXX, Equifax, and XXXX has failed to fulfill its obligations under 15 USC 1681s-XXXX, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress. 
I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
This account that was with XXXX  was closed back in 2016 and picked up by now XXXX XXXX XXXX. They was trying to take me to court and is reporting on my credit in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my XXXX profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts on my Equifax profile that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I bought 2 vehicles from U S. Auto, I was current on both vehicles until they switched to Westlake Financial and I notice on my bill how I'm missing payments. And My premiums that was apart of my original loan was never refunded at all. Saying that any gap or extended warranty I had Westlake don't honor, I then stated well that was apart of my agreement that I sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
-received email communication on XX/XX/2023 for {$2800.00} -received additional email communication on XX/XX/2023 for {$2800.00} - sent debt dispute on XX/XX/2023 requesting all documentation and a ledger that reflects all charges through time. Requested no further communication through email and all correspondence through USPS, informed them that my consent was never given - received additional email communication on XX/XX/2023 for {$2800.00} - received additional email communication on XX/XX/2023 for {$2800.00} - called XX/XX/XXXX to remind them I had disputed and need the documents. Was informed they were attached to XX/XX/XXXX correspondence. Its not a ledger, but a list of charges with no dates or information. Was told they would not respond via USPS and they were treating it as a cease and desist since I refused email and thats the only correspondence they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
please investigate my consumer report. i was never late. please see attached documents.

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 2023-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-24 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: FL

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. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$31000.00}. 
XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$48000.00}. 
XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2021 and a balance of {$9400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's causing me anxiety.

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 2023-10-24 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:
TransUnion is still reporting an account called XXXX  that I disputed back in XXXX, XXXX deleted the account, Creditors send out the same information to all CRAs, All CRAs must reported the same accurate information, attached is a copy of XXXX stating that XXXXXXXX XXXX XXXX is not currently reporting on my consumer 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 2023-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2023-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Im in the mortgage industry and lost my job in 2022 and at that time I fell behind on my first XXXX  and simply could not make the payments so I decided to sell since it gained equity and would be able to survive temporarily. Out of nowhere I get a collection notice from a XXXX that I had thought was forgiven which was originally with XXXX, then sold to XXXX and the. XXXX went out of business and I tried to figure out where to pay but never heard for almost 16 years until I get a demand letter from a collection agency that I never received a transfer of servicing letter no any payment coupons and being in the business by law you must received the transfer letter within XXXX business days. Needless to say my was desperate and ended up selling my home and lost about {>= $1,000,000} on the zombie mortgage which was mainly interest which I begged for them to work with me and they would not budge. Im now homeless, jobless, no car and no unemployment checks and I need help to get the money that the collection agency took from me. Please help me and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
WIRE TRANSFER via REMITLY.COM ( for accommodations booked on XXXX  through a company called XXXX to a " apartment owner '' called XXXX XXXX with a bank account at XXXX XXXXXXXX XXXX XXXX. ) : XXXX : None of the information below is my personal information. It is information related to the party who committed the fraud. 

WIRE TRANSFER 1 Company : Remitly.com Date : XXXX Amount : {$3000.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXXXXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 2 Company : Remitly.com Date : XXXX Amount : {$3000.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 3 Company : Remitly.com Date : XX/XX/ Amount : {$850.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 4 Company : Remitly.com Date : XXXX  Amount : {$93.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I made a downpayment on a XXXX XXXX for {$100.00}. The downpayment was described as being fully refundable. I have requested a refund on numerous occasions and have never heard a response ; it seems as though the company is possibly going out of business, so this makes sense why they wouldn't want to refund my money. 

Amex refuses to refund this charge for me, saying it's too far in the past for them to do anything about. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: NJ

Complaint narrative:
I had an account online bank named WISE. In the past week, they have deactivated my account and held my funds without any notification or explanation of the reason. Upon contacting their customers ' service mentioned that they have very limited access to the account information. I have to appeal but after appealing I haven't had any accurate answer on how to recover my own money. So it looks like a scam bank that steals money from people working so hard to earn some living

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NY

Complaint narrative:
The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my Transunion profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX The accounts on my XXXX profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
XXXX, recently they edited a payment history on my credit report to show XX/XX/2021 as XXXX  days late, when previously it showed XX/XX/2021 as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a XXXX repossession. They are claiming it was XXXX  days late on the XXXX repossession, but it was not. They said after XXXX  days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took XXXX years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for XXXX years, but they wont report XXXX single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a CO, and also closed account on my other credit report when Ive been paying on time for going on XXXX  years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/2021 payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was XXXX  days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX  is involved now also, and have been communicating to Santander XXXX. They have the legal terms down to a science and know exactly how to word everything. XXXX going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a XXXX  XXXX  of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: OH

Complaint narrative:
On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as Experian, XXXX, and XXXX have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies.

Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information.

Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that Experian, XXXX, and XXXX has failed to fulfill its obligations under 15 USC 1681s-2, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress.

I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS REPORTING A NEGATIVE ACCOUNT FROM XXXX  XXXX XXXX AND IT SHOULD NOT BE THE OTHER CREDIT BUREAUS HAVE IT REMOVED AND CORRECTED AND XXXX  XXXX XXXX NOTIFIED ALL OF THEM TO REMOVE THE ACCOUNT BUT EXPERIAN HAS NOT DONE SO AFTER NUMEROUS REQUESTA TO DO SO THIS ACCOUNT NEEDS TO BE REMOVED FROM 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 explanation