vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I am living abroad in XXXX and have no physical card. I can not withdrawl cash with a virtual wallet. I signed up for WorldRemit yesterday ( worldremit.com ) because they advertise the website as an option to send money abroad, and to yourself, and pick it up in minutes. I tried twice to send to myself when given a dropdown list of options which include the option to self-send cash. IMPORTANT! I had already verified my ID and was accepted and had dual factor authentification initiated. PER THEIR WEBSITE FAQs! WorldRemit states in their question section word-for-word ( link attached to page ) : Can I send money to myself with WorldRemit? 
Yes. If you're on holiday, studying abroad or working overseas, you can send money or airtime to yourself with WorldRemit. 

Collect cash in a nearby shop, pick up funds from a local bank, get an instant transfer to your mobile money account, or top up your phone on the go. The choice is yours. 

LINK : ( https : //www.worldremit.com/en/blog/product/most-asked-questions ) -- -- -- -- -- -- -- -- -- -- -- -- -- My transaction of {$220.00} to myself was instantly denied twice by them when my bank did not deny on their end, and confirmed my use. I didn't understand why I was being denied so I reached out to customer service ( transcripts below ), and asked why I was denied. After XXXX minutes of waiting, a chat representative joined and when I asked HE/SHE STATED WORD FOR WORD ( attached below ) and did not even answer my question : " Your transaction has been cancelled because you can not send it to yourself '' ignoring my question of why, and when I asked again twice simply stated I would recieve a refund and left the chat. Keep in mind, after every purchase a confirmation email is sent from the company, I never recieved XXXX. I tried again this afternoon to send to my girlfriend, it was approved, I WAS CHARGED {$250.00} WITH XXXX CONFIRMATION EMAIL OR CHAT HELP and remained void and when I requested to cancel, no email as well. No email of confirmation, XXXX XXXX breach of policies on their end ( their own ), non-transparency, etc. I was verified, all information legal and correct on both ends, I have an address and ID in XXXX, and in the XXXX, so does my girlfriend, both verified. I called by phone to find a solution, waited an hour, and an actual agent answered and simply said " no phone '' and hung up, XXXX clue why or how this is legal or on what basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
XXXX property taxes due are {$1300.00} The first payment of {$680.00} is due by XX/XX/XXXX and late after XX/XX/XXXX. I called on XX/XX/XXXX to let them know they needed to pay and they were going to be late. They say they made a payment on XX/XX/XXXX. The county never received it. I repeatedly told them it had not been paid and that late fees were accruing. They paid some late fees. I still told them the county had not received the tax payment so on XX/XX/XXXX they made another payment of {$680.00} to pay the same taxes. 

I keep explaining to them that the first check on XX/XX/XXXX has never been received by the county and asking for a copy of the check or some proof that it has been cashed or it needs to be put back in my escrow account. 

My second payment of $ XXXX is due XX/XX/XXXX and late by XX/XX/XXXX. 

Additionally, during now they are telling me that my taxes to XXXX County are paid and not due again until XX/XX/XXXX. MY PROPERTY IS NOT IN XXXX COUNTY and I do not know where they got that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: VA

Complaint narrative:
I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes XXXX, XXXX XXXX XXXX and EQUIFAX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated XXXX parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. 

Not to mention Webbank/fingerhut, XXXX, XXXX XXXX XXXX and EQUIFAX an are reporting income to my report which illegal according to the IRS publication XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Webbank/fingerhut is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: VA

Complaint narrative:
I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes EXPERIAN, XXXX XXXX XXXX and XXXX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated XXXX parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. 

Not to mention Webbank/fingerhut, EXPERIAN, XXXX XXXX XXXX and XXXX an are reporting income to my report which illegal according to the IRS publication XXXX XXXX  is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Webbank/fingerhut is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against 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 non-monetary relief
Consumer complaint received 2024-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On the date XX/XX/XXXX a judgement was made on me from XXXX, XXXX and XXXX. I was never contacted about them trying to sue me. The debt they are trying to collect is over XXXX XXXX XXXX. They must of lied in court because a judgement was made against me even though this debt is old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX XXXX.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.

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 2024-02-27 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: FL

Complaint narrative:
I am writing to you regarding a concerning discrepancy in the reporting of my credit history by XXXX XXXX XXXX XXXX ( XXXX ) to Transunion, one of the major credit reporting agencies. My account number with XXXX is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that XXXX 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, XXXX is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by XXXX. 

Furthermore, in accordance with 15 U.S. Code 6802, XXXX is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by XXXX  as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau XXXX this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also request that XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

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 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing regarding a recent discrepancy on my credit report. Upon reviewing my credit history, I noticed that there is a late payment recorded on my credit card account with your company. I am writing to dispute this late payment and request its removal or correction from my credit report. 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 2024-02-26 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:
I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes XXXX, TRANS UNION XXXX and XXXX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated 3rd parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. Not to mention XXXX XXXX, TRANS UNION XXXX and XXXX an are reporting income to my report which illegal according to the IRS publication XXXXXXXX XXXX  is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 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: GA

Complaint narrative:
EXPERIAN IS VIOLATING CONSUMER 'S FEDERALLY PROTECTED RIGHTS, INCLUDING BUT NOT LIMITED TO 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, EXPERIAN is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting and 12 CFR 1016. 10 - Limits on disclosure of nonpublic personal information to non affiliated third parties. Experian is also not reporting accurate information, CONSUMER 'S LEGAL NAME is XXXX XXXX not XXXX XXXX and there should be no other spelling or variation or alias and any account attached to such should also be removed. EXPERIAN IS VIOLATING AS CONSUMER HAS NOT GIVEN ANY WIRTTEN CONSENT OR PERMISSION NOR ANY PERMISSABLE PURPOSE FOR THESE COMPANIES TO ACCESS NOR FOR EXPERIAN TO REPORT. DISPUTED INFORMATION INCLUDED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27 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: OH

Complaint narrative:
I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX  has that I have 5 missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-27 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: NJ

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.

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 2024-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems put a collection on behalf of XXXX. I do not have any account or affiliations with XXXX whatsoever. It may have been that my social security was used without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ). 

Account name : XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$0.00}. 

Account Rating Paid. 
Accounts Name : XXXX. 

Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$710.00}. 
Account name XXXX Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$630.00}. 
Account name : XXXX 

Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$0.00}. 






Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.

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