vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
They said i purchased XXXX for XXXX from PayPal. I denied this transaction and told them I never purchased from them. 
I tried calling several numbers but they were all the same man. He wanted me to download XXXX from XXXX XXXX. I refuse to download anything Im not sure about. 
He told me any number I call, he will answer. This made me very suspicious of him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and Trans Union are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I mailed a letter XX/XX/24 letting them know that inaccurate information is reporting on my credit report. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.

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 2024-02-08 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: CA

Complaint narrative:
hello I'm purchasing used XXXX XXXX XXXX for {>= $1,000,000}. Carvana ask me for my Social Security Number and after all my Personal Information was input, Carvana is asking me for a Down payment. My understanding is that is a violation of Title 15 U, S, C 1662b, I'm making a consumer credit transaction which I'm financing and will be making payments until I discharge Credit and Cash are not to be commingled in a consumer credit transaction no matter if is electronic transfer. Now Carvana is not performing their fiduciary obligation as the Trustees, and Carvana is in violation of Trust Law, and Title 15 U.S.C 1602 and Title 15 U.S.C 1611. Carvana is denying my unlimited Credit. I just want to access a portion of my credit and Carvana is breaking the law. I want to thank you for taking the time to help me I'm glad that I have you on my side. I hope we can resolve this misunderstanding. Thank you Sincerely : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-02-08 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: Williams & Fudge, Inc
State: SC

Complaint narrative:
There are 2 companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the XXXX to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MT

Complaint narrative:
So I started getting text messages from XXXX XXXX saying that my card has been locked and unlocked over and over again. And when I called customer service. I'm informed them that a card ending in XXXX was being used. She advised me that. My phone number was attached to this account. But it was not my name. She said the name was XXXX, but could not give me any more information because Even though I had my number associated with the account. She could still not give me information because it was not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner has breached my information with a mutual client with whom we both work with. I am an employee at XXXX XXXX and have been harassed multiple times in a course of XXXX MONTHS by this customer due to Mariners negligence. She has called and shown up to my job several times making false complaints against me. Today, she has come into my place of business with all of my co-workers present saying I got her friend at Mariner Finance in trouble. The friend she is referring to is or was the branch manager for the XXXX location. I was so upset by this situation it caused me to walk out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: WI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against TransUnion regarding their handling of my dispute letter sent on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. The disputed items include accounts from XXXX, XXXX, and a reference to the U.S. Bankruptcy Court with case number XXXX. 

In addition to disputing these accounts, I also raised concerns about incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and recent bill with my current address. 

TransUnion responded on XX/XX/year>, indicating that they had received my request but questioned its authenticity, stating that it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to conduct a reasonable investigation into the disputed items, as required by the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation upon receipt of a dispute to determine the accuracy of the information in a consumer 's file. TransUnion 's failure to fulfill this obligation constitutes a violation of my consumer rights. 

Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as proof of the correspondence.

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 2024-02-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. im demanding the inaccuracies be deleted now. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Brightfunders, LLC
State: CA

Complaint narrative:
I am looking for some assistance in removing the late charges reported to the credit bureau while I had my property on the XXXX forbearance. When I started the forbearance program with XXXX I was assured verbally and in writing that the months taken would be added to the end of the loan. I was contacted by phone two separate times to extend the program and signed paperwork to the affect.

During this 12 month time I was out of work with XXXX  and then I was on XXXX XXXXXXXX for XXXX XXXX XXXX from XXXX for XXXX XXXX. Aside from signing the extension paperwork I didnt receive notice of my loan going into default and the property going into foreclosure until I got the certified letter from the law firm of XXXX XXXX XXXX XXXX XXXX XX/XX/2023 informing me that my house was going to go up for auction soon. The day I received this letter I reached out to them to find out what was going on because everything I had gotten from XXXX  stated that the missed payments were to be added to the end of the loan. 
Within 24 days of this letter I procured the needed amount of {$19000.00} to bring the loan back to current and have continued to keep the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Security finance placed a charged off account on my consumer report that is inaccurate. In the correspondence that was a computer generated letter which addressed Mr./Ms. XXXX I received from you ( Security Finance ) dated XX/XX/XXXX. In the correspondence dated XXXX  you address me as Mr. Now in your computer generated letter/correspondence XX/XX/XXXX you address me as Mr./Ms is offensive and profane language as I provided Security Finance with photo identification multiple times to prove my identity that showed you I am a male. This act shows their carelessness towards me as a consumer, person, and human being. Also, in your CFPB response to account # XXXX You ( Security Finance ) stated that This letter shall serve as verification and also After careful investigation and review, we have verified that we are accurately reporting the tradeline. This is inaccurate because you reported a charge off on my consumer report for XXXX XXXX XXXX to XXXX. That is not me and I dont know who that person/consumer is. So, how can you be reporting accurate information when the name is not accurate. Also, how did you get my last XXXX social security numbers and birthday without my authorization? This account needs to be removed for inaccuracy and unauthorized use of my personal information. The signature on the line of the contract is not mine as well for this account # XXXX. This is illegal and violates multiple of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting a complaint against Equifax regarding their failure to adequately address my dispute letter sent on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. The disputed items include accounts from XXXX, XXXX, and a reference to bankruptcy with the case number XXXX. 

Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Equifax regarding the results of their investigation. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like Equifax are mandated to conduct a reasonable reinvestigation upon receipt of a dispute to verify the accuracy of the information in a consumer 's file. Equifax 's failure to respond with investigation results indicates a violation of my consumer rights under the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax as proof of correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Initially XXXX was " not receiving '' automatic payments and i chose to refinance. This account was paid in full in XX/XX/XXXX. An additional XXXX was paid to avoid extra fees. I then called consistently trying to get them to close the account and release the title. That was not completed until XX/XX/XXXX. They stated the refund had been mailed on XX/XX/XXXX, it was dated for XX/XX/XXXX. The amount was XXXX. This is XXXX less than I should have been refunded. I continue to call and ask for documentation or reasoning but no one is willing to provide any information.Please help me!

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I contacted Midland Credit Management, and I also contacted all three credit bills about the incorrect information on my credit report, stating I have two collections with with the above collection agency. I sent my letters certified the credit agencies all three have received my certified letters and have been signed for. I also sent a letter to Midland Credit Management as well Certified informing them that they have 30 days to not only respond, but to also update and remove those collections off of my credit report, this has not been done as of yet it just keeps saying account has been validated. I will be sending copies of my documentations that I have sent to all three credit bills and again to Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've been trying to work with Equifax for years about trying to remove a fraudulent debt collection agency where there is fraudulent changes but they keep in they continue to report on it and correctly and always side with this company seem pretty bank that's been lying about the debt they'll link to collect it making false statements on my credit making it hard to get a house and refinance my car I would like you guys to work with Equifax to report on this correctly

Company response to consumer: Closed with non-monetary relief