vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: MN

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: PA

Complaint narrative:
There is inquires on my credit report that I have no knowledge of and I did not provide them with my information. 
Here are the names & dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-12 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: AL

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 explanation
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-12 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accura

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-06-12 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
In XXXX, I applied for the New York Emergency Rental Assistance Program ( NYERAP ) due to financial hardship caused by the XXXX pandemic. Despite my eligibility and approval for the program, my landlord, XXXX, failed or refused to accept the rental payment through the designated portal. According to ERAP guidelines, this non-acceptance should have removed the debt responsibility from me. 

Instead, the unpaid rent was reported as a debt on my credit report and subsequently sold to a collection agency, Hunter Warfield. This inaccurate debt has been listed on my credit report from XX/XX/XXXX to XXXX XXXX XXXX, despite my repeated disputes. 

I filed a dispute with XXXX, providing all necessary documentation, including proof of NYERAP eligibility, approval, and evidence of the landlords refusal to accept the payment. However, XXXX has not corrected the error, and my credit report still shows the disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CA

Complaint narrative:
The following accounts below are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately. Due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested accounts below deletions are made and removed. Please mail me an updated copy of my credit report.

ACCOUNT 1 : ( XXXX XXXX ). 
ACCOUNT 2 : ( XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Beyond Finance for what I believe to be serious mismanagement of my debt settlement account and multiple instances of misinformation that have led to financial harm. 

Mishandling of Payments : Despite my adherence to the payment schedule agreed upon in the debt settlement agreements with my creditors, managed by Beyond Finance, there appears to be a significant discrepancy in how my payments have been processed and reported. This has raised concerns about the integrity and accuracy of Beyond Finance 's management of my funds. 

Misrepresentation and Misinformation : Throughout my dealings with Beyond Finance, I have encountered numerous instances where the information provided was either misleading or outright incorrect. This includes discrepancies in the reporting of settled debts and unclear explanations regarding the fees charged. 

Improper Fee Charges : I have been charged fees that do not align with the actual services rendered or the outcomes achieved. For example, fees were levied for settlements that were purportedly reached but do not reflect the actual terms agreed upon or were not acknowledged by my creditors. 

Lack of Transparency and Communication : There has been a consistent lack of transparency and effective communication from Beyond Finance regarding the status of my debt settlements. This lack of clarity has made it exceedingly difficult to track the progress of my settlements and understand the financial implications of the actions taken by Beyond Finance. 

These issues have not only caused financial strain but have also led to significant stress and frustration. I believe that Beyond Finance has failed to meet the obligations set forth in our agreement and XXXX have violated consumer protection laws. 

I am seeking a thorough investigation into these matters and appropriate corrective actions. I am prepared to provide all necessary documentation and correspondence to assist with this investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: PA

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 2024-06-12 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: PA

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 2024-06-12 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NV

Complaint narrative:
On XXXX XX/XX/2024, I did a wire transfer of USD XXXX into my Wise account from my XXXX XXXX XXXXXXXX Checking account This wire transfer is to allow me to remit money in XXXX XXXX to my Uncle in XXXX to facilitate his home buying. 
I initiated XXXX transactions in Wise - one for USD XXXX and another for USD XXXX Wise transferred USD XXXX successfully to my uncle and dropped me a note that they will initiate a process to refund USD XXXX and asked me to input my account information Initially, i had a typo in my account information and the money was returned to Wise. They have not provided any details on the transfer or what went wrong, etc. I had to call the to figure out what is going on at their end. 
I corrected the account information and asked them to resubmit the refund several times since then. Every single time, the money keeps getting returned Since then I have called their customer service dept several times, spoke with several folks in their team - some of them are plain rude and dont understand the gravity of situation and flat out hung up. I have also provided all documents requested to the best of my ability and availability. I even sent detailed emails explaining them the issue, expected resolutions, etc. 
They failed to resolve, escalate or involve appropriate teams or personnel even through they keep telling me that they have escalated the issue Their process is very obscure to the fact that the customer doesnt have an idea of what is going on in the backend. 
It is close to 18 days since the transaction has happened and there seems to be no line of sight into when Wise will be resolving my issue. 
It is really frustrating experience. The money was supposed to be helping my uncle with his home purchase and now we are scrambling last minute to find other avenues. 
I sincerely request you to take Wise to task and establish accountability with their team and organization. 
I would appreciate if their team is forthcoming with their processes, issues, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
In XXXX this year, a guy going by the name of XXXX XXXX offered me a job in XXXX XXXX. As the position in question allowed me to work remotely, they sent me an email with a check which was supposed to cover the amount needed to buy " necessary equipment '' for the job. 
I scanned this check, and sent it to my bank ( USAA Bank ) in order to make a payment to the equipment vendor via wire transfer ( to a bank in Georgia ). 
By the time I realized what was going on, the check has bounced and the wire was already sent out from my end. 
USAA Bank did not ask any questions in regards to the check or the wire itself, gave me no warnings or exercised any security measures. 
I have been trying to get in contact with the USAA Bank and ask them to help me settle this matter and reverse the payment I have made, however all of my attempts to establish communication fell on deaf ears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-06-12 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NM

Complaint narrative:
Almost every day this company calls me stating I owe them money or they will garnish my wages. Jefferson Capital Syst is on my credit report for an amount I have XXXX idea about. They are not contacting my family about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc.
State: MI

Complaint narrative:
Why is this account reporting on my credit I didn't give them consent to take my information and use it to help themselves then they is the bureuas allowing them to do this they are reporting closed accounts updating balances making changes to my credit with dates opened and then changes my report adding new account numbers when it's the same account. 

Then the bureaus XXXX XXXX keep on just allowing them too. 

It has to be some type of regulation to help I think it's called FCRASection609 and section 611 Then I think it's a debt law thing that says they can't access or reporting false misleading info on me 15USC1692 Complete Credit XXXX XXXX Then another XXXX of the same thing XXXX XXXX??? 

Like how??. Delete all this stuff

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 2024-06-12 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: PA

Complaint narrative:
am writing to file a formal pre-litigation dispute against XXXX and Equifax for their continued inaccurate reporting of an account on my credit reports. Despite numerous attempts to have this account deleted, it still remains incorrectly listed. The details of the account are as follows : Account Name : XXXX XXXX {$13000.00} Dispute Reason : I have repeatedly provided a copy of the 1099 form indicating that the debt has been forgiven. This documentation has been ignored by both XXXX and Equifax. The account should reflect a XXXX balance, as the debt was forgiven and claimed on my taxes. 

I am requesting deletion of this account one final time before proceeding with litigation for violations of the Fair Credit Reporting Act ( FCRA ). I am including a copy of my credit report showing that Equifax reports the balance as XXXX, along with the 1099 form once again. 

Please ensure that this account is deleted for all inaccuracies. Failure to address this issue will leave me no choice but to seek legal remedies for the damages caused by this continued inaccurate reporting.

Company response to consumer: Closed with non-monetary relief