vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
EDD Money Network SCAM!! 
I am out of job for 2 months and all the support money i received from state of California has been ripped off from the Money Network account. The Money Network app is the worst app. Someone changed the phone number, and transferred all money to an unknown account. I didn't receive any notification in phone or email to verify the transaction. This is a scam from someone in Money Network who knows the system well from insider for sure firstly go through the frustrating times of losing a job and no money to support the family, and then get scammed from the government provided app and ripped off all the little cash we get. The worst ever to scam people in the most vulnerable times!! Please request we need to make this stop. 
More incidences reported by people here XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I want you to know that I understand my financial obligation, and if it werent for an unexpected XXXX  and a major XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 
Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: WA

Complaint narrative:
I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquires immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MI

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-07-24 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts.

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I have reached out and disputed but these debts remain. Ive asked them to forward me everything and they have not complied, these are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-24 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: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from XXXX, TransUnion, and XXXX. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( TransUnion, XXXX, and XXXX ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau XXXX XXXX department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from Experian, XXXX, and XXXX. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( XXXX, XXXX, and Experian ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau reporting oversight department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.

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 2024-07-24 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-07-24 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-24 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: Paramount GR Holdings, LLC
State: OK

Complaint narrative:
XX/XX/year>. A large loan of {$75000.00} was taken out under my information from this company without my knowledge or consent. 
None of the addresses listed as mine are correct either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I requested information and verification regarding debt on XX/XX/year>. I have received no response and it reamins on my credit, I have reason to believe this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. XXXX. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. XXXX. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. XXXX. The account rating is reported as " Derogatory '' by all three bureaus. XXXX. The account description is reported as " XXXX '' by all three bureaus. XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. XXXX. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. XXXX. The payment amount is reported as {$0.00} by all three bureaus. XXXX. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. XXXX. The past due amount is {$540.00} across all three bureaus. XXXX. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/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 2024-07-24 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: IL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. XXXX. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. XXXX. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. XXXX. The account rating is reported as " Derogatory '' by all three bureaus. XXXX. The account description is reported as " XXXX '' by all three bureaus. XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. XXXX. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. XXXX. The payment amount is reported as {$0.00} by all three bureaus. XXXX. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. XXXX. The past due amount is {$540.00} across all three bureaus. XXXX. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/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 2024-07-24 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. I AM SUBMITTING THIS COMPLAINT IN REFERENCE TO THIS COMPANY KNOWINGLY REPORTING INACCURATE DATA. XXXX XXXX CREDIT PROFILE IS AFFECTED BY THESE PENALTIES. THIS LOOKS SUSPICIOUS AND DECEPTIVE. REPORTING WITHOUT VALID PROPER DISCLOSURE REQUIREMENTS ARE IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. I AM DEMANDING A DESCRIPTION OF THE DETAILS OF THE VERIFICATION PROCESS USED TO VERIFY THIS ALLEGED ACCOUNT. FEDERAL LAW REQUIRES YOU TO RESPOND IN THIRTY ( 30 ) DAYS.

Company response to consumer: Closed with explanation