vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act 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 instruction.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX : Account number : XXXX I've disputed this account ( XXXX : Account number : XXXX ) numerous times due to inaccurate information being reported on my credit file, even after the bureau have stated countless times that the account has been investigated and verified, after a year Im finally reaching out to the CFPB regarding this issue. 

I've attached a copy of my CFPB compliant ( supporting documents ), detailing the removal of account : XXXX : Account number : XXXX after XXXX finally was able to do a proper investigating of the account. 

For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company?

At this point I am no longer asking you to reach out to the furnisher to verify or investigate this account ( a year has been long enough ), im demanding that you delete it from my Credit Report Today!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
This is reporting in violation of my rights. I would like this removed from my credit. Otherwise, please provide me with your documentation showing that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

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 2022-08-20 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: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Following XXXX. In XXXX, I received an email from out of nowhere from a XXXX XXXX from XXXX. XXXX about getting a fixed loan rate 3.50 permanent. I thought this is what I was working with him on, I never stated, I wanted a loan modification. I would like to find out if he is involved with this split loan. I was doing well already and didn't need a mod,. So this split my loan and having me pay some now and maybe the rest when I'm XXXX. I didn't approve this agreement and I have been worried sick about these changes. I plan to work diligently to get to the final of this sabotage agreement. Phh and Ocwen didn't give me the info I requested, I wouldn't have made this move with truth be told. I don't have these documents in possession with XXXX XXXX. Authorized Officer never heard. I've been paying on this loan and I still owe the same amount. Also the escrow payment that was supposed to receive took it from me and put it on the back of the loan without my agreeing to it. I did not REQUEST A MODIFICATION IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XXXX XXXX  XXXX notified me in the spring of XXXX that they had taken on my account from American Express National Bank. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX  XXXX and survival of XXXX with complications. I offered XXXX and XXXX a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that XXXX had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for XXXX via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they XXXX and XXXX filed a lawsuit against me to serve judgement for the debt I own to AMEX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a certified mail to Equifax demanding removal of specific accounts they sent a correspondence dated XX/XX/2022 that they will not be conducting an investigation in to particular accounts when I demand a removal not investigation. I have submitted an identity theft report with the reference number : XXXX They following accounts were listed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: NC

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXXAm XXXX XXXX XXXX and i was given the US bank focus card by my boss and they payed me there but as soon as i was paid money was use from my account about XXXX something and i called the US bank focus card to dispute the transcation and please replace my card .they said i had to wait 5 days before i can dispute the transcript i said ok but they order a new card for me on the XX/XX/2022 and told me to wait for 7 to 10 days to get my card i said ok .On the 6th day i called them to ask about my card the lady said and told them i had to pay for my fees at my XXXX school and i had my dads birthday coming up i need to use the money in the card .she check her system and told me to wait Ill receive it the next day, I waited, I didnt receive it the next day i called on the 8 day they told me I cant receive cards on weekends I would have to wait till Monday Ill receive it on Monday didnt receive it on Monday, called them on Tuesday they said Ill receive it by the end of the day they kept of lying to me till today the XXXX of XXXX and still havent started my school yet .I called them today and still kept me hanging. They are very decitful.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Last year I applied for a Milestone credit card, also called Genesis F S card services. I kept the card a few months before activating it, which put me around XXXX for activation. I had to contact them of when the payment was due because I hadn't gotten paper work. They actually told me the wrong date, which I later discovered and put it on my credit report and it was their fault. That's not the big issue. 
My payment are due by the XXXX of each month. In XXXX of XXXX, I made my XXXX payment on XX/XX/XXXX. Then I made XXXX payment through their phone system on or about XX/XX/XXXX. The payment was cleared by XX/XX/XXXX. I started getting late notices about this transaction. I called Milestone and that representative told me to get my bank on the phone. I did and Milestone refused to accept what the bank was stating. The representative even accused me of not having enough money to go through. The bank representative told him that it had been cleared, the one on XX/XX/XXXX and the one about XX/XX/XXXX. 
I was in constant touch with them from 1-3 times monthly until about XXXX. I sent a notice stating that every late fee and over the limit fee they were charging me monthly to be erased because it was false charges. A couple times they told me if I paid {$80.00} that it would be fixed. Not so To shorten the story, I contacted them in XXXX of XXXX and they stated that someone else in my household ad a Milestone card. My question was what did that have to do with me because the last 4 of our socials and the last 4 of our card numbers would be different. I again said to the representative that I wanted all late fees and extra charges removed from my account. Her response was " But there's someone in your household with a card from us ''. Again I repeated what I said earlier about the socials and card numbers. She said, wait until you get the letter from us and it will explain more, but for now I owed XXXX XXXXXXXX XXXX and XXXX some dollars and it would remain that way. 
I believe I've over paid them by now. I also sent a request that they not renew my yearly contract with them. Close the account were my words. No one for a few months tried to seek out the problem just accuse me of not having enough money in the bank or not making the payment at all. I had to keep calling and they didn't start seeking anything until around XXXX when I told them if they didn't get this fixed, I was getting an attorney. After that they came up with someone else in the household, which still has nothing to do with your failing payment system and negligence. 
There were times after this I tried to make payments on their system, couldn't and I called and informed them of it. So glad this disastrous night mare is coming to an end and maybe now my credit can be corrected. 
Thank you for your help! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act 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 instructio
n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NJ

Complaint narrative:
On XX/XX/2022, I accidentally made a transfer of {$1000.00} to XXXX XXXX in XXXX. I came to realize that the problem had already been made afterwards, so I immediately reached out to Worldremit to cancel the transfer. It was because the receiver didn't get the money. When I called this company, I was made to speak with different people who gave me different options. Some responded awkwardly but I respected their concerns and explained my issue since they demanded it. Until now, it's like we're struggling over my own money and I'm not liking it. All l want is my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: MO

Complaint narrative:
I sent disputing letters in XXXX of 2021 to XXXX and Equifax to remove inaccuracies of my personal information and collections they refused to remove it.

Company response to consumer: Closed with explanation