vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
In XXXX of XXXX, I saw a collection reporting from XXXX. I called XXXX in XX/XX/XXXX and they advised me that my debt was with a creditor called XXXX. I called the number they provided and settled the debt for {$610.00} and the payment came out of my account on XX/XX/XXXX. XXXX advised they would delete the debt from my credit report. In XXXX of XXXX the debt reappeared on my credit report and I started getting phone calls from another collection agency, XXXX. I advised them the same information that the debt had been paid but they said XXXX had sent my account to their collections department. I then called XXXX and they had no record of my debt, despite providing them proof of the bank statement showing my payment going to them. I then called XXXX, they didn't even have a record of me. It took 30 minutes for the agent on the phone to find some of my information and she said they had never received any payment. They advised to send an email to their billing/collection department so they could " investigate '' and they would respond in XXXX hours. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have never received a response of the validation of the debt which is required to be provided within 30 days or the debt must be deleted. Today, XX/XX/XXXX, my fianc received a phone call from Transworld systems Inc, looking for me. She provided my number to them. I called them and requested a validation of debt and was hung up on. I have also sent them the email of showing proof of the payment made to XXXX in XX/XX/XXXX and requested validation of the debt. We never received a response. I have settled this debt and was told it would be removed or at the least show as paid. It has impacted my credit score and my ability to refinance my house, it is affecting my livelihood and neither creditor or XXXX has fulfilled a validation of the debt or investigated properly that this debt was settled and paid. The problem is, now the debt has been paid yet we have no proof of the debt being paid by either party. They have harassed me and my family and we need this matter settled as there really is no entity holding these parties accountable for collecting payments from consumers. I am happy to provide the proof of payment of forward the emails sent to the parties. XXXX advised us to send proof of the payment to an email and they would provide that to XXXX. On XX/XX/XXXX we provided XXXX proof of the payment to the previous debt collector and they have not responded and the phone reps have no answer. We have emailed XXXX 3 times with the same proof of payment and they will not respond to that either. When we call XXXX they will transfer us to XXXX XXXX. I have submitted the proof of my bank statement showing the debt being paid in XX/XX/XXXX to XXXX when they held the debt for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the accounts on my credit report that are a result of identity theft. I have recently discovered that my personal information was compromised, and as a result, these accounts were opened fraudulently without my consent. The accounts in question are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$610.00}XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I want to inform you that I have already reported this incident to the bank, and they have agreed to remove the accounts from my credit report. I request that you remove these accounts immediately from my credit report as well. I am deeply concerned about this situation and fear that this may happen again in the future. I request that you take all necessary steps to prevent this from happening again and inform me of the steps taken. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of the XXXX data breach my information breached sold and traded illegally without my consent. 

This is innacurate information and needs to be removed from reporting. 

This is violation of the FCRA rights and are all reporting different things on my reports. 

I have attached screen shots of the innacuracies on all XXXX credit reporting beaurus a long with proof my data was sold illegally

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 2023-12-29 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: NJ

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called BMO on XX/XX/XXXX to initiate a dispute regarding an unknown charge for {$43.00} made in XX/XX/XXXX. 

I never use this credit card, so this charge was a surprise. It also caused an automatic payment to fail, as I was not expecting card activity for XXXX. 

When I called BMO to dispute this charge, I was informed that it was an " in person '' transaction at an Italian restaurant in XXXX. Because of this, I can only dispute the charge with a local police report. The merchant is located in XXXX. I am in the XXXX. 

I have never heard of this restaurant, though I was in XXXX in XX/XX/XXXX. I never used my card at a restaurant. In fact I have not used my card in the past six months.

I asked BMO to contact the merchant to request an invoice or receipt, but BMO refused unless I have a XXXX  police report. 

I have since closed the credit card account, paying the charge in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I wrote a check for {$11000.00} payable to an insurance company and sent it by certified mail. The mail never got to the sender and the check was intercepted and rewritten leaving my signature. I filed a report with the police department, post office and the fraud department at Bank of America. After months of numerous attempts to get information with no success they finally sent me a form letter saying there was no fraud. Clearly if they really investigated they would know that this is fraud. I have documentation from the police, post office and bank for everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX days, I will initiate an update on my credit reports and anticipate the expeditious removal of the remaining fraudulent entries from said reports. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate any items identified in an identity theft report # XXXX. Enclosed herewith are documents facilitating the rectification of inaccurate information currently reflected on my reports. I wish to reiterate, particularly to the XXXX XXXX, that in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to expunge any items identified by a consumer as stemming from an alleged identity theft, no later than 4 business days after receipt. The following items are specified for removal per bureaus : -- -- -- -- -- -- -- EXPERIAN : 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 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 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

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
Please resolve this issue for me i m on a fixed budget these XXXX  dont answer any calls Ive been getting money orders from them since 1996. Their phone number XXXX XXXX XXXX XXXX the corporate phone number is ( XXXX ) XXXX ( XXXX # is XXXX XXXX XXXX all these phone numbers and all of them say that they will return you call and all you get is crickets zero solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: PA

Complaint narrative:
Subject : Opting Out of Authorization Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/XX/XX/XXXX, UT XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
Checking my inquires on my credit report I see a hard inquiry that I do not recognize from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/2023. I didn't request for any auto loans, I need this removed as soon as possible.

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 2023-12-29 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: NY

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NV

Complaint narrative:
So on XX/XX/2023 I disputed a charge off that appears on all of my XXXX credit reports, from XXXX XXXX  XXXX And On XX/XX/2023 All the credit bureaus responded to my dispute saying they verified the account as accurate. 
I also wrote a letter directly to The bank Mentioned above for Validation of the Debt They werent able to provide that. 
I also called them and the information they have such as name and address are incorrect. 
I am contacting you guys because I need help removing this account from my file since it doesnt belong to me. They are unable to prove this account is mine so why it keeps appearing on my file is totally wrong. I hope you can help me resolve this problem thank you very much.

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 2023-12-29 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: NJ

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX 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 2023-12-29 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: GA

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: LA

Complaint narrative:
I purchased a Fridge ( kitchen appliance ) from XXXX, who had a lease agreement option called XXXX  I paid all my payments in full and they kept taking money, Tempoe LLC was then involved, they are the original creditor, they called, harrassed me daily for months, took money out of my account, kept taking money out of my account, the bank couldn't do anything about it because Tempoe stated it was a legitimate debt. It was not. 
Payments below {$91.00} XX/XX/XXXX {$91.00} XX/XX/XXXX {$91.00} XXXX  {$91.00} XXXX {$91.00} XXXX {$100.00} XX/XX/XXXX {$82.00XXXX XXXX {$180.00} XXXX {$91.00} XX/XX/XXXX {$91.00XXXX XXXX {$91.00} XXXX {$410.00} XXXX  ( I was told I was buying out the contract agreement ) That no Money was due after this last payment {$180.00} XXXX  ( They took this without my knowledge when I learned what they did they said it was the buyout fee... I stated on XXXX i was told i was buying out the contract, they said this is the last fee ) {$120.00} XXXX ( They took this after I verbally told them they could not ) {$200.00} XXXX ( Once again they verbally were told to not take anymore money from me & they did. I spoke with management I was assured My agreement was paid in full {$200.00} XX/XX/XXXX ( They continued taking payments ) {$200.00} XX/XX/XXXX ( I asked if i could bring the product that i originally purchased back told them this was complete bull XXXX that they were stealing from me and committing fraud ) {$320.00} XX/XX/XXXX ( Was contacted to pay off unit I said I already have, they took this payment without my permission ) {$100.00} XXXX  ( Took more money from me with out my permission on the same day ) I finally got smart changed banks and cut off that card. they continued trying to take payments but it was a dead card. 
Tempoe then sold my account to XXXX XXXX XXXX XXXX XXXX and now they are being awful about all of this wont let me speak to upper management, told me & my husband we are not important enough to speak to her superiors ( she was a supervisor ) They wont help, they wont acknowledge my emails, or calls, they reported to the credit bureaus that i owe XXXX I owe nothing, infact they owe me, they scammed me, and they committed fraud by taking money without my permission even after I told them they couldn't. Please help. This is negatively impacting my credit score, it has caused -me to have high interest rates, lower XXXX XXXX than what i should. 
My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: VA

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief