vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I rented a house from XXXX to XXXX and received XXXX internet and TV service at my house. I moved out of the house in XX/XX/XXXX. I called XXXX and terminated my service when we moved out. But for some reason, XXXX kept the service at the house for the new tenants. I received a final invoice from XXXX that included two extra months when I was not renting the home. I told XXXX customer service I did not accrue those charges as I already moved out of the house, and I called and told them to cancel the service as of XX/XX/XXXX. In early XXXX, I received an invoice from XXXX for {$400.00}. I called XXXX, refuted the charges, and told them I was not living at the house and had called and canceled my service before moving out. I have refused to pay the charges since I did not accrue them. XXXX then turned the charges over to Waypoint Resource Group sometime in late XXXX or early XXXX. It has since appeared on my credit report as derogatory mark. I have called the Waypoint resource group numerous times to remove these charges from my credit report. I told them I do not owe any amount to Waypoint Resource Group or XXXX. Waypoint Resource Group has refused to remove the derogatory charges from my credit report, which has affected my credit report over the years. Waypoint Resource Group has been renewing the charges on my credit report every year as if the report appears every year. They just renewed the charges as of XXXX of XXXX, even though they initially put them on my credit report in late XXXX or early XXXX. I made a point not to pay these charges all these years because I did not owe the amount to XXXX, nor did I owe this amount to Waypoint Resource Group. I want these charges removed immediately. Thanks for your consideration.

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 2023-09-13 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: MA

Complaint narrative:
Credit card is showing on my account that a court has issued a judgment in MY FAVOR. This account needs to be removed. The company stated in the last complaint it was removed but it is still showing.

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 2023-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
XX/XX/2023 I contacted Carrington Mortgage to make a payment due to not being able to send in by mail since Im overseas. I spoke to a supervisor XXXX that was very kind and advise after accepting my payment ( over the phone since my checking account is in the system ) that I would be able to make my payment via online or calling if needed. I attempted to make a payment of XXXX to my account XX/XX/2023 at XXXX and spoke with XXXX teller ID # XXXX that refuse to take a payment from me over the phone. My account has been flagged and sent over to the credit bureau once again flagging my clearance. 
XXXX XXXX did the exact same thing while under an active COVID for essence and still transferred my account to Carrington. Something needs to be done this is unacceptable and making it very challenging for members to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MI

Complaint narrative:
There is an XXXX XXXX account/tradeline on my Equifax and XXXX credit files that is horridly inaccurate. Rather than conduct reasonable investigations, both Equifax and XXXX have chosen to persist the information when it knows or should know the information is false/inaccurate/misleading/incomplete. Now, a credit reporting agencys reliance on information gathered by outside entities is reasonable so long as the information is not inconsistent with the information the CRA ( s ) already had on file ( XXXX, XXXX, and XXXX writing in Hammoud v. Equifax Information Services, LLC, No. 21-2859 ( 6th Cir. 2022 ) citing Wright, 805 F.3d at 1240 ). The most glaring indicator that the account/tradeline is erroneous ( incomplete/false/misleading/inaccurate ) is the statements I provided indicating XXXX alleges to have charged-off the account on XXXX around XXXX XX/XX/XXXX. I provided a copy of the XXXX XX/XX/XXXX letter to CFPB Complaint XXXX, XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX XX/XX/XXXX response to CFPB complaints XXXX, XXXX, & XXXX, and a XXXX XX/XX/XXXX response to my state 's office of Attorney General. Yet, the account is not reported as having been charged-off and has a period beyond charge-off that shows a payment history that is re-aged, brought current, and then randomly reported as being past-due, advancing from thirty ( 30 ) days past-due to one-hundred fifty ( 150 ) days past-due. The account indicates being brought current AGAIN ( re-aging ), and then begins reporting past-due from XX/XX/XXXX thru present advancing to one-hundred eighty days past-due in XX/XX/XXXX and has been marked as such for each additional month. Neither XXXX nor Equifax can claim they are unaware of the issue ( s ) with this account/tradeline. In fact XXXX even claimed they werent responsile for the way the information was being presented to the CRAs. The issue may indeed be with the information XXXX is furnishing to the CRAs. The issue may indeed involve factual and legal inaccuracies. However, the CFPB amicus brief filed in Sessa v. Trans Union , LLC, makes clear that the FCRA contains no exemption from conducting investigations and/or re-investigations that are triggered by disputes involving legal inaccuracies. So, there is no excuse for why XXXX and Equifax have declined to remove the account/tradeline from my credit files. The account/tradeline needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I got a credit card in the mail from sportsman 's Warehouse or sportsman 's credit which on the credit report says comenity capital the second I opened it up and saw what it was I did not call anybody I immediately went in my house got some scissors and cut it up into little pieces I remember perfectly and I've had a lot of losses lately and I've needed house loan vehicle loans personal loans credit card something to help me and my family out and I've got denied over a hundred times from a hundred different places and never knew really why until recently I looked at my credit report because it's not on XXXX it was on XXXX that day illegally against my will activated it without me agreeing to whatsoever and since I had a account that I never used with them they continued putting that I have paid on time etc every month except the last 6 months they put XXXX and I have never paid them XXXXXXXX XXXX because I've never used XXXXXXXX XXXX because I cut the card up in pieces which I have photos of the credit report where it says that they have been putting on there that I paid a bunch of times that standings are good but didn't pay for the past 6 months etc so that illegally put it on my credit and now for the past year I've been denied Time after Time which since I couldn't get the money I needed or the extra finances have lost my truck putting my entire family with no vehicle and now I'm riding a bicycle to pick groceries up because I can't get a loan or credit card to purchase a vehicle which took my {$20.00} an hour job because I Didn't have a vehicle to get to work which took my apartment from me putting me at XXXX XXXX XXXX living with my mom who was recently widowed my XXXX daughters and my girlfriend / babies mama and now I'm stuck here with no income for my kids I'm losing my family all because of a company filing a report after I cut up the card and did not accept their credit I did all the right things I needed at the time a credit card to buy food etc not sportsman 's memorabilia and or items and now I'm to suffer a massive blow ending a family destroying lives over nothing I did my own and even when this finally get settled and it gets put off my report I still won't have a truck or a vehicle I still won't have my family intact I still won't have my apartment did is going to go on my credit report for losing when it wasn't my fault I still won't have my good-paying job that I loved I want to press charges and open a lawsuit get reimbursed for the loss I've endured from this company for destroying a life and the lives around me for clicking activate when I never activated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-13 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: FL

Complaint narrative:
The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14 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: NY

Complaint narrative:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX XXXX XXXX / Acct XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: Westlake Services, LLC
State: GA

Complaint narrative:
The person, XXXX, XXXX XXXX XXXX, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name Westlake Portfolio Management a debt collector Westlake Portfolio Management has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.

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 2023-09-13 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Apple card closed my account on XX/XX/XXXX and i had severall open dispuites with them. They have not given the money for my dispuites i have sent them documents showing that they never credited my account for the dispuites their are severall that were never added ro my account and i have sent in documents severall times the ammounts are as follows {$240.00} XXXX home depot as explained severall times their were two orders one was cancelled due to shortages and the money never refunded. 

{$170.00} home depot apple insists that the merchant gave me credit for this when it says on my statement that credit was denied when I log in it's showing A plus balance of XXXX and if you add the other three to that that they that they never did it will be {$900.00} and I wan na know how I go about getting that money back because my apple card was closed and this has been well long over 90 days. Im sending documentation and showing that this was never credited back that the XXXX never credited my account back and neither did apple because if it was I would have seen a credits in one of those and I am sending all the statements there and the XXXX XXXX and XXXX were never given credit by either apple or XXXX it does not show up on my statements I need to get this issue resolved and get this taken care this is going on five months and it seems to be every time I call I get a different answer from whoever answers the phone if you have any questions please give me a call my number is area code XXXX thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Hi, I am a XXXX resident and I was robbed of my phone on Friday night/Saturday morning. Here is the order of operations : On Friday night, my phone was stolen. Then after that, the thief ( maybe multiple ) continued to withdraw money on multiple accounts including Cash App. They changed my log-in and other personal information such as phone number and email and Cash App allowed them to get away with it. They have now taken roughly XXXX  dollars through the checking account listed in my account causing insurmountable financial damage along with XXXX dollars that was in my app itself. XX/XX/23 at XXXX XXXX - Stole {$50.00} XX/XX/23 at XXXX XXXX - Stole {$2200.00} XX/XX/23 at XXXX XXXX - Stole {$5000.00}. I filed a police report and am working with a detective. I provided the company the police report as well as the detective 's phone number. I provided them my statement and verified my identity. They refuse to return my money or provide me any explanations for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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 persons EQUIFAX, XXXX XXXX and XXXX Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency Equifax and Equifax just claim to verify account. I have no documentation of validation upon requests, this is my XXXX time addressing matter, I want Equifax the consumer reporting agency to remove XXXX XXXX XXXX  from consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MD

Complaint narrative:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: TX

Complaint narrative:
In accordance to the fair at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to the fair at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I filed a dispute after finding my money had been stolen, they denied my claim and have refused to help me or provide me hat information they based their decision. I got a manager via email and she told me they would not help me would not tell me anything more and then refused to assist and when I called 3 more times the supervisors hung up on me all three times. I believe they have something to do with my stolen funds and Im reaching out to the cob before contacting the NYS attorney general and my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief