vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I sent a validation letter to Southwest Credit Systems XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear XXXX & Transunion ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but XXXX and Transunion are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. 
After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost XXXX points and they refused. 
I also mailed the request in writing. 

Thank 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 non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion just reported a " late payment '' on a charged-off account from XXXXXXXX XXXX XXXX which is an FCRA violation. How can there be a late payment on an account that's already charged off and closed?

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with Equifax they are committing fraud and breaking consumer laws. And with Equifax having one of the largest Identity breaches, im not surprised. I am a victim of that breach. XXXX is following suit stating that the disputed information is verified however, according to the US Bankruptcy Court of Chicago- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL XXXX, Equifax and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with Equifax and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of Equifax 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1. I am unable to log into my Experian account on www.experian.com. I had forgotten my password. I attempted to request a password reset by providing my Experian username through the Experian website.

2. The Experian website told me that my username was wrong, so I clicked the link to have them send my username to me. I provided my Social Security Number and date of birth. Experian sent me the exact username they rejected in # 1 ( above ) I'm caught in a loop where the Experian website logon is rejecting my username, yet the Experian username recovery process is providing the exact username their logon process rejects.

Most frustratingly, a real live person can not be reached at Experian. If I call the number to get help, I am offered a choice of automated help or to end the call. Getting a live person is not possible.

In addition to my attempts to resolve this on their website and by phone, I wrote to Experian at XXXX XXXX XXXX, Texas and provided necessary proof of identity. Experian responded with a form letter that had nothing to do with my request for help. 

It is really frustrating that Experian can have so much power over individual consumers and yet there is no way to reach someone to help fix this issue. Typically resolving username and password issues is a very simple process and it is usually something that can be accomplished using a website. The fact that I can not accomplish this on the Experian website, on the phone, or through United States Postal Service mail is nothing short of ridiculous and speaks directly how dismissive this organization is of the general public. 

I would sincerely appreciate any help you could provide. 

Thank 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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Against Union Bank of XXXX  I have had a business account with them since at least XXXX. Unfortunately, Union Bank allowed 5 unauthorized withdrawals from my account. The first one was for XXXX cents on XXXX XXXX. The other unauthorized withdrawals took place as follows : XX/XX/XXXX for {$13000.00} ; XX/XX/XXXX for # XXXX & on XX/XX/XXXX for {>= $1,000,000}. 

I first found out about these unauthorized withdrawals on XX/XX/XXXX when the bank called me to tell me that I was overdrawn. I knew that was impossible so I called customer service. They proceeded to tell me about the withdrawls. They further told me that I had to go in person to the bank to file a claim. 

I went into the bank that same day and filed the claim. I also provided them with a letter stating that all those withdrawals were unauthorized. 

On or about XX/XX/XXXX the bank notitifed that they were denying my claim on the basis that they were told by the company that I signed an authorization. I told the bank that this was NOT true and to send me a copy of the authorization. 

Nonetheless, besides me not signing any authorization there are several problems with that story. First of all, assuming arguendo, that I did sign an authorization ( which I didn't ) why did the bank allow the funds to be removed without first seeing the authorization. Secondly, if they had a signed authorization why did they first have to test the withdrawal from account for XXXX cents. 

Lastly, and the most important, the withdrawal was allegedly for a collection account for an LLC. I have NEVER been an LLC. My account is solely in my name. Thus, the bank allowed someone to withdraw funds from an account that was and is NOT under my name. 

Despite this, they refuse to reimburse me the money. This is wrong. They should immediately reimburse me the money that was wrongfully taken from my account, that the bank wrongfully allowed.

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 2023-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
Good afternoon, I strongly believe I have been targeted by a loan XXXX  company that has been deducting money from account without providing me any documentation or anything that I signed. 

I had my bank block them from deducting any further money from my account since it has now been XXXX weeks of me requesting a callback or to pay off the balance via phone and I have not received a single phone call or email. Fact, I have forwarded this email chain of proof of how they are avoiding me. Whenever I call the number provided, they take my information just for them to tell me someone will call me later and again, never received a call. 

Any help in resolving this issue would be greatly appreciated. I have NEVER been in a position of collections as I am good with my finances and I have been trying to get more information/pay off this loan XXXX  and they are purposely postponing/not allowing me to do so. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX XXXX  and they informed me of information being reported by XXXX AND EQUIFAX that there was another social security number reporting from them. Ive been involved in identity theft for a while and XXXX and EQUIFAX have both reported other social security numbers as well as addresses that were inaccurate.

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to XXXX on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am filing a complaint against Barclay Credit Card Company, which is a creditor of my deceased husband XXXX XXXX, who was a cardholder of Barclay Credit Card ending # XXXX. The debt on the card was {$2000.00}. My husband could not appear in the court hearing due to being held in XXXX XXXX XXXX XXXX and the judgment was passed against my husband to put a lien on my property. My husband was mentally and physically XXXX and surviving on a disability income. Anyhow, my husband passed away on XX/XX/XXXX. I want to sell the property, but I can not sell the property because of a holding lien by Barclay. I want to pay out the debt balance and request Barclay to remove the lien on my property. I have been contacting Barclay since XX/XX/XXXX. I am offering to pay off whatever the debt balance is in the statement, but it seems that Barclay does not want to recover the debts and resolve the issue. They put me in the circle for two months by directing me from one department to another then one collection agency to another and lawyers etc. Then they asked me to fax the required documents. I faxed the documents to Barclay several times, then they asked me to mail the documents. I mailed the documents and they have received the documents. Then they directed me to a lawyer to discuss the case. when I spoke to Barclay Lawyer, he said that he has been waiting for Barclay to send him the statement for over XXXX weeks, but they did not send him the statement yet. When I called Barclay and asked why they did not send the debt statement to their lawyer, they have no answer to tell me the reason. It has been over XXXX months since I have been calling them every alternative day and every time they make lame excuses. I don't know why they don't want to resolve the issue when I am ready to settle the case. I have had a buyer waiting for my property for XXXX months. I am afraid that the buyer will give up on purchasing the property and cancel the deal. The property is not in good shape to find out another buyer easily if I lose this buyer. After XXXX months of contacting Barclay, I feel helpless/hopeless and CFPB is the only hope who can help me by investigating Barclay. Please inquire about this case as soon as possible, so that I would sell the property. I shall be grateful to you.

I look forward to hearing from you soon.

Thank you for your time and consideration. 
Regards, Sincerely, XXXX XXXX XXXX XXXX email : 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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
Chexsystems has knowingly been reporting inaccurate information to banks and reporting agencies in reference to my social security number. Ive disputed and had fraud alerts, police reports sent into them concerning someone having an active account at multiple banks within XXXX Georgia in my name but under different social.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax. I have submitted numerous disputes. Ones concerning my name, address etc have been resolved. Ones regarding revolving accounts and installment accounts don't get addressed. It's been 4 months for some of the disputes. I have a revolving account, XXXX, that is missing multiple months of history. I have another revolving that hasn't been updated since XXXX. I upgraded from a single bureau report to a 3 bureau report and the history of all my active accounts disappeared. Not from the XXXX or XXXX part of the Equifax report but the EQUIFAX part of the report. For 3 weeks. Finally I downgraded. I asked multiple times for a refund. They said no. I tried MANY times to talk to someone. I just kept getting the brushoff. There is more but that's the majority of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp/Visa purchase protection transaction dispute process does not help or protect my transactions or purchases it is very difficult to get in touch wit customer service or anyone to help and the amount of time it takes cash app to review allows for the merchant to steal money. 

In XXXX I made purchase from a overseas merchant for 3 pairs of leather boots, after 1 month of not receiving the products I purchased I contacted cash app to file a dispute my dispute was denied the merchant sent me plastic boots not what I ordered I contacted cash app to file another dispute since I had not received the products I ordered the claim was again denied I was defrauded out of {$220.00} due to cash app negligence XX/XX/XXXX I purchased 150 shoe boxes from an overseas merchant with adds from XXXX the 100 shoes Boxes were in sale for XXXX I paid using cash app. I was to receive the good by XX/XX/XXXX. on XX/XX/XXXX I did not receive the goods and I tried to contact the merchant and did not receive any response I contacted the merchant over 6 times. the merchant provided fake tracking with USPS I tracked the shipment and USPS does not have this tracking # in their system. I filed a dispute with cash app. the claim was denied cash app customer service has not provided any details on both occasions why the claim was denied I asked what is the bases have they received a response from the merchants. Cashapp provided no information. I was defrauded XXXX this total over XXXX I have lost due to cash app failure to provide transaction and purchase protection while using their card according to the card holder agreement. 

This merchant is advertising on XXXX

Company response to consumer: Closed with explanation