vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
WORLDREMIT is the merchant 's name this merchant wiretransferred money using my debit cards and credit cards in XXXX. 
I have reported this to XXXX XXXX and got my cards replaced after a XXXX, WORLDREMIT charged me again for the wire transfer on my debit cards and credit cards ( XX/XX/XXXX ) I have never used WORLDREMIT to send any money nor have account with this merchant. 
It is highly suspicious how they are able to trigger transaction again after my card number for debit and credit cards are changed. 
I tried to contact WORLDREMIT numerous times, however, my call was dropped by them every single time I was trying to contact their customer service. 
Therefore here I am reporting for their business for fraudulent activities

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.

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 2022-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: TX

Complaint narrative:
Hey you guys legal team told me that Carvanas business operations are compliant with applicable local, state, and federal laws and regulations. So whats up with you guys asking for cash down Im entering a consumer credit transaction because if its having a finance charge that means I have entered in a credit transaction and the finance charge is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit Which are ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system of additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss And when I was trying to ask what type of transaction am i entering into she said I can find out on the website I said I dont see the finance charge and I dont believe I will see my terms for the extension of my consumer credit she said yeah you can I dont have to tell you because its on the app and on the website and when I went to both locations it failed to describe the nature of the transaction Im entering or what my finance charge is so I informed her without the informed use of credit that hurts our nation and she said is there anything else to help you with I told you where to find the disclosures and this is after you guys stated there where no wrongdoing and yall havent received the documents in the mail which was a purchase order : a document authorizing a seller to deliver goods with payment to be made later. That doesnt say anything about up front not to mention you guys act that wasnt a binding agreement but if you can look on page 3 of the purchase order it says in bold the following : Buyer acknowledges receipt copy of this Agreement. No oral agreements or understanding apply. This Agreement is not binding until accepted by an authorized representative of Carvana which seems to show XXXX XXXX and who position is Vice President CARVANA XXXX XXXXXXXX XXXX and thru all your actions has caused nothing but harm and distress to my life and I feel I have exhausted all my options and have no choice to give you proper notice of a possible claim against your Texas XXXX XXXX XXXX which protect me from malpractice and fraud by extending credit to the dealership whereby the principal, the dealer, is required to pay out on any claims. 

And if we can resolve this matter please contact me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 an account without my written instructions My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 an account without my written instructions My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.

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 2022-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Consumer XXXX XXXX  Deleted XXXX XXXX XXXX Texas on XX/XX/2022. Bankruptcy is still showing on report. Based off the credit laws, if items are incorrect or inaccurate they should be removed from 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 2022-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have the right as a consumer to report In accurate information on my credit report. I have written several letters with no response from the credit bureaus, or any information has been provided on this account. 
XXXX  XXXX XXXX. account # XXXX ( 11 XXXX  XXXX XXXX ) balance amount XXXX opened XXXX XXXX is inaccurate. No account was opened with this company on the date referenced above.

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 2022-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
I am on XXXX XXXX military leave and i had to go to Mississippi for 9 months. My mortgage has been on autopay with XXXX XXXX. Apparently my loan was sold to Carrington mortgage and they have not been fun to deal with. I have been paying them 2 times per month for the full monthly mortgage payment. Yet somehow they just reported my monthly payment over 30 days past due to the major credit bureaus. I am not sure why when my loan was transferred to them that they did not keep my automatic payment. I have never had any issues paying my mortgage and i have perfect credit. I am extremely unhappy with Carrington so far. I also looke up online and read that when your mortgage is sold legally the new servicer can not report any late payments for over 60 days to ensure the payment is properly applied. They have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: CA

Complaint narrative:
XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.

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 2022-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXE XXXX Sent letter and called telephonically to have this information removed and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was compromised via XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, transunion, XXXX as closed derogatory with XXXX. The inactive XXXXXXXX XXXX was used to fund all the fraudulent charges processed through XXXX which placed the bank in negative balance and in XXXX XXXX. The 3 consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX XXXX XXXX XXXX  XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX XXXX XXXX. I attached my identification of evidence of assurance and ssn card for the case

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 2022-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: KAHRS LAW OFFICES, PA
State: TN

Complaint narrative:
Didnt receive any documentation that debt was sold from XXXX XXXX to Kahrs Law office. Kahrs law office has rejected all of my attempted contact to pay my debt of $ XXXXIN FULL. Kahrs law has a 1 star rating along with many other complaints about falsely garnishing checks and never giving other debtors a chance to pay their debts because they do NOT return contact. The only option to pay debt is to leave a voicemail with an automated system with my banking information. I will absolutely NOT do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I tried opening a claim on an unauthorized charge on my account with Avant credit card company back in XXXX of this year, apparently there was a mix up so I again opened and confirmed the unauthorized charge on XX/XX/2022. We're on XX/XX/2022 and I've received no information whatsoever costumer service have hung up the phone on me multiple times.I 'm being charged late fees and interest on a charge I never made. Today alone a supervisor was supposed to call me back and never did. This company is very unprofessional and has the worst costumer service I've ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a business back in XXXX, right before covid and in XX/XX/XXXX. I tried to buy inventory. I was scammed from the seller online. I always bought inventory from XXXX ever since I opened the business and never had a problem. I called bank of america because I wanted to report it and get my money back. I lost XXXX dollars. They wold n't give it back to me. Neither would XXXX. Not to long after I was scammed, the XXXX  transfer exploit started to happen. I gave bank of america the ip addresses, names, and websites these scammers came from but they did nothing to stop them. They did not press charges or call the cops. I filled out an ic3 police report and called the local police. No one has helped me. These scams are coming from XXXX XXXX XXXX There scamming everyone because of cryptocurrecy mining.

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 2022-05-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Well first of all let 's be clear, since you are THE LAW that these agencies have to obey, I figured you could get the ball rolling faster than me. On XX/XX/XXXX I decided to look at my credit report, so I downloaded them and I instantly noticed that my SSN is incorrect, My vey next thought " I know this is not GOOD '' and to top it off it's on the credit agency that's most popular one of the three. And then you let a company close an account and then open back up the very same day, 6 ( SIX ) TIMES. And then to top it off I had 70 INQUIRIES from XX/XX/XXXX to XXXX. 70 MISREPRESENTATIONS. That's just for 1 FULL YEAR. That's why I am DEMANDING a " credit file disclosure '' I need to know how far does this incorrect SOCIAL SECURITY NUMBER goes back, And NO ONE attempted to contact me at ANY TIME for FRAUD, to make me aware that my SOCIAL SECURITY NUMBER had been TAMPERED or MY file had been UPDATED just as they had AFTER I saw my REPORT for being DENIED for CREDIT from EXPERIAN MISTAKE. Experian, This is the reason I DEMAND FULL " FILE DISCLOSURE '' XXXX and XXXX has the correct SSN. You don't how that feels as soon as you open your mouth, someone says " YOU'RE LYING ''. for someone MISREPRESENTING you. Whom also never had MY 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 non-monetary relief
Consumer complaint received 2022-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.

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 2022-05-22 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: VA

Complaint narrative:
I have the right as a consumer to report In accurate information on my credit report. I have written several letters with no response from the credit bureaus, or any information has been provided on this account. 
XXXX  XXXX XXXX. account # XXXX ( 11 XXXX  XXXX XXXX ) balance amount XXXX opened XXXX XXXX is inaccurate. No account was opened with this company on the date referenced above.

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