vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 

I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 

However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. Below, I have listed the inquiries in question, which require immediate and thorough investigation in accordance with the provisions of the FCRA : XXXX XXXX XXXX XXXX XXXX, XXXX Provide evidence that this is mine. If not, delete it. 
XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall having my authorization for this credit pull. Please remove this. 
XXXX XXXX XXXX XX/XX/year> -This has no permission, please take this off! 
XXXX XXXX XX/XX/XXXX XXXX XXXX I did not sign any paper authorizing this inquiry. Delete it. 

I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. For the companies I was able to reach, none have any record of my existence within their systems. If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 

Your organization has already been granted ample time to investigate and resolve these discrepancies. Despite this, I am extending one final opportunity for you to fulfill your obligations under the FCRA. If I do not receive a comprehensive report detailing the results of your investigation within 15 days of receipt of this letter, I will have no alternative but to initiate legal proceedings against your company to enforce my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The mortgage company, SPS, ( Select Portfolio Servicing ) seems to be a debt collector and not a mortgage company/bank. SPS ( SELECT PORTFOLIO SERVICES ). Does not accept my payments the day agreed and/ir when I pay them. The ACH or EFT payments will be pending for sometimes over a week. They have considered these late as insufficient and will not rectify the issue. I have set up automatic payments to fix this problem and they still do not take/accept funds the scheduled day. There have been 3-7 days past the accepted payment and pending days. But they refuse to honor the payment date. I dont make enough money to keep my bank in an excess waiting on them to withdrawal their payment. Its a constant conversation as to why they wont take the payment the day of the agreement. 

In addition Ive learned the interest rate on this is far beyond what it should be, as well as additional fees & insurances I did not ASK for and have requested an explanation for, still they will not remove it, nor explain why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My identity was stolen in XXXX multiple accounts and services were applied for using my Social.. XXXX being one I contacted the bureau to remove this fraudulent account Ive never had service with this company! Now its 2-3 years later and the account has been sold to a 3rd which violates my consumer rights! This account needs to be removed and blocked from EVER reporting again!

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 2025-02-25 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: KY

Complaint narrative:
Received a notice from XXXX on XX/XX/year> about a debt from a collection agency. I have never received any notice of this debt from the agency nor the original company. No communication via phone, email, nor mail was ever received by me regarding this. Only basic information from XXXX is available as follows : SOUTHWEST CREDIT SYSTEMS Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX account starts with XXXX for the amount of {$3500.00}. 
I attempted to call Southwest credit systems, but my call was never answered. No option to leave a message was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
the company XXXX XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. This company does not have any proof of my signature for my consent and authorization as I have never done business with this company. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NV

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I recently viewed a copy of my report and noticed fraudulent activity on my account can you remove this from my report its hurting my ability to obtain credit

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently viewed a copy of my report and noticed fraudulent activity on my account can you remove this from my report its hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
want to description under this law 15 u.s.c1681 A this information is inaccurate and want to delete from my report 15 u.s.c 1681 A4 you are reporting old information out dated and it a violation of my privacy 15 u.s.c. 1681 EB the consumer must have reasonable process ensure that maximum possible accuracy

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 2025-02-25 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: FL

Complaint narrative:
want to description under this law 15 u.s.c1681 A this information is inaccurate and want to delete from my report 15 u.s.c 1681 A4 you are reporting old information out dated and it a violation of my privacy 15 u.s.c. 1681 EB the consumer must have reasonable process ensure that maximum possible accuracy

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 2025-02-25 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: MI

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 account listed without my expressed written consent.

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 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I recently reviewed my ChexSystems consumer report and identified XXXX  account that was opened fraudulently and do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you investigate these inaccuracies and remove them from my report. 

The fraudulent accounts are as follows : XXXX XXXX XXXX Account XXXX : XXXX Please remove the following fraudulent inquiries : 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 Now XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please Remove Undeliverable Addresses on File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These account was not opened by me, and I believe they are the result of identity theft or error. I have attached copies of [ Identity theft affidavit, FTC Identity Theft Report, and proof of identity ] to substantiate my claim. 

Under the FCRA, you are required to conduct a reasonable investigation of my dispute within 30 days of receipt of this letter unless you deem it frivolous, which I trust will not apply given the evidence provided. If these accounts can not be verified as mine, they must be deleted from my report pursuant to Section 611 of the FCRA. Additionally, under Section 605B ( 15 U.S.C. 1681c-2 ), I request that you block this information if it is confirmed to stem from identity theft. 

Please provide me with an updated copy of my ChexSystems report once the investigation is complete, as well as written confirmation that these items have been removed. You may contact me at XXXX or XXXX if you need additional information to process this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

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 explanation
Consumer complaint received 2025-02-25 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I closed a credit card via XXXX ( automated voice ). Immediately after closing the account, I went to use my rewards, as I was notified I had 90 days to do so. 

However, when I went to use the rewards, I discovered that all effective ways to use the points had disappeared, and I was only able to redeem points for cash. using this redemption method, you get XXXX XXXX XXXX value you'd get if you chose " erase '' recent travel purchases. I escalated the case to the rewards team. They called to let me know they were going to escalate further, but I later discovered that at that point they left a message in their internal system that the case was closed that same day. I never got a call back after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX 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 XXXXXXXX

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 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I signed up for the SAVE plan in XX/XX/2024. I have been on deferment since they. They ask that I call and redo the deferment every 2 months. This has not been a problem up until now. I can't wait on the phone for hours waiting for them to maybe answer the phone. 
They aren't responding to emails through their website. I had a payment due on the XXXXXXXX XXXX XXXXXXXX that I wasn't able to make. I needed to get in contact with them about this but it is impossible to get a hold of them. 

I was on hold XX/XX/XXXX for XXXX minutes starting at XXXX and then XXXX hours, XXXX minutes starting at XXXX I sent an Email through their website on XX/XX/XXXX asking for help. 
I was on hold XX/XX/XXXX for XXXX minutes starting at XXXX. I signed up for their call back and received a call at XXXX. They faked having bad service and just hung up on me. My service was fine. 
I tried calling again XX/XX/XXXX and the wait time was XXXX hours which was after they close. 

I can't get a hold of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
In XXXX of XXXX, it seems Wise.com changed their policy and now required a physical " trading '' address where I work. 

My registered business address is XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

This is technically a po box , but widely accepted as a valid registered address. 

Wise.com refuses to accept this address, telling me they need the address of where I physically do the work. That address is my home, and has no affiliation with my business for official documentation purposes. 

When I asked them to rectify this, they told me I have to submit a trading address where I physically work. When I asked them why, they said they are subject to " regulations. '' When I asked, " what regulations, '' they did not answer. 

They can not provide any reason besides I tacitly agreed to it when they changed the user agreement ( I do not recall being notified of this change ). They are threatening to close my account if I don't provide PII that is completely unrelated to my business. 

No financial institution I work with has this requirement, and Wise.com can not tell me why they have it.

Company response to consumer: Closed with explanation