vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit scores have been in the 700 's and have no late payments, collections or any negative history in my name. Transunion and XXXX dropped my score over 60 points because my Mortgage company changed. This is the second time this has happened and it's put my good name in jeopardy and has created hardship in getting great offers and maintaining excellent interest rates. This is totally ridiculous. My Mortgage is still open and always paid on time for many many years. It's seems inconceivable that these companies don't realize that Mortgage companies sell to other companies or servicing companies and should not impact my score. This is ridiculous that this keeps happening and trying to contact these companies is a futile endeavor. Transunion went from XXXX to XXXX and XXXX from XXXX to XXXX. This needs to be corrected immediately and want assurances that this will not continue to happen for the same reasons. this is ridiculous and legal action should be taken even if it's just to teach them a lesson that this is their responsibility to ensure accurate information is always reported and scores are accurate. Credit scores make a difference in your everyday life and it's not something to be taken lightly.

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 2023-06-05 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: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been more than 15 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Experian Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Closed accounts with XXXX  XXXX XXXX on XX/XX/2013. The accounts are more than 7 years old. XXXX is reporting incorrect closing date, phone number and address to Early Warning Services. I've called XXXX customer service on several occasions in attempt to correct the information but it has yet to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXXerifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2023-06-05 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: UPGRADE, INC.
State: SC

Complaint narrative:
Under what authority, statute, or law does UPGRADE INC. have to share and or furnish my nonpublic, private, personal, identifying financial information? UPGRADE INC. is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. UPGRADE INC. is hereby notified of the following : ANY and ALL consent assumed or obtained by UPGRADE INC. from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by UPGRADE INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2023-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit scores have been in the 700 's and have no late payments, collections or any negative history in my name. XXXX and Equifax dropped my score over 60 points because my Mortgage company changed. This is the second time this has happened and it's put my good name in jeopardy and has created hardship in getting great offers and maintaining excellent interest rates. This is totally ridiculous. My Mortgage is still open and always paid on time for many many years. It's seems inconceivable that these companies don't realize that Mortgage companies sell to other companies or servicing companies and should not impact my score. This is ridiculous that this keeps happening and trying to contact these companies is a futile endeavor. XXXX went from XXXX to XXXX and Equifax from XXXX to XXXX. This needs to be corrected immediately and want assurances that this will not continue to happen for the same reasons. this is ridiculous and legal action should be taken even if it's just to teach them a lesson that this is their responsibility to ensure accurate information is always reported and scores are accurate. Credit scores make a difference in your everyday life and it's not something to be taken lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: NY

Complaint narrative:
I XXXX XXXX applied for an apartment at the residence at XXXX in XXXX ct. I paid {$500.00} for them to hold the apartment and run credit backround check. They used a company called Resident Verify to run my information. That's when I found out I wasn't accepted because of some negativity on my public record that was not updated and things that weren't true cause, I was never evicted and I always paid what I owed. 
I later went to XXXX XXXX XXXX to get a nycha lawyer to file a satisfaction of judgment on my behalf. Cause there were false statements in my report. Once I received the satisfaction of judgment letter I called Resident Rerify to inform them of the letter that I have, they then said that letter is not enough they need to see that the information is out of the system. I am still presently working on that. But in the meantime I may loose my section 8.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
On XXXX, I received via US Mail a letter from Wakefield and Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX stating they are a debt collector trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX. The phone number for Wakefield and Associates, LLC is XXXX Monday-Friday XXXX XXXX Saturday www.wakeassoc.com They stated the account # with XXXX XXXX XXXX, XXXX is : XXXX and stated as of XXXX the amount owed is {$12.00}. They stated they charged {$2.00} in interest and the debt due is {$15.00}. They stated the Reference No. is : XXXX XX/XX/XXXX. 

They said to call or write by XX/XX/XXXX to dispute the debt and if no call or written communication is received, they will consider the debt is correct. 

It says to write by XX/XX/XXXX, and request the name and address of the original creditor, if different from the current creditor. It states if written communication is received by XXXX, they will stop collection until that information is sent to me. 

I have never heard of XXXX XXXX XXXX, XXXX nor do I know anything about a debt from XXXX for {$12.00}. This is the first and only communication I have received from Wakefield and Associates, LLC regarding said debt. I have never heard of Wakefield and Associates, LLC until I received their letter today, XXXX. 

I completely dispute any debt of any kind to XXXX XXXX XXXX, XXXX, I have never heard of them nor have I ever heard of Wakefield and Associates, LLC nor have I ever had any dealings with either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
I XXXX XXXX XXXX, and I was doing my business through. Beginning of XXXX I was facing problem of buying through this online account. I did my all efforts including approaching XXXX my supplier but all in vain. Then I posted my problem on my XXXX  account and few account holders of my business approached me but they couldn't fix it. 
Then a XXXX XXXX on dated XXXX XXXX XXXX, contacted and he told me to deliver XXXX $ to an account for proxy and I did at XXXXXXXX XXXX XXXX from my mobile. And then at XXXX XXXX XXXX XXXX I received a message from wise bank by email that XXXX $ delivered to same account which I did not deliver even no one asked any XXXX  or any account details. This boy was setting proxy on my account when I asked him about money he started abusive language and disconnected the call. Then wise bank responded my query which I quickly registered and refund my amount after all investigation on XXXX. But unfortunately wise bank took back my amount XXXX $ XXXX $ on XXXX XXXX  without any prior info and emailed me that they are not responsible for this fraud. My humble appeal is that if bank can took back my account money without any prior info, why not a culprit account can be access as he is also using the wise bank for his business purposes. Bank has done all the required details and investigation bout his account already.please help me regarding this illegal approach of my personal business account and grabbing of big amount XXXX $ from my account with out my permission. I am waiting for your kind response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, TransUnion, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly Investigated the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly verified the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I asked them to remove the bankruptcy. However, I pulled my credit report today. XXXX deleted the bankruptcy. But XXXX and TransUnion have not deleted it yet. It has been more than 30 days.

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 2023-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was XXXX- XXXX 1 was XXXX XXXX with no contact company information. 
1 was Capital OneXXXX XXXX 1 was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4.

1 was XXXX- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX 1 was XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: GA

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. 

XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX account number : XXXX, XXXX  account XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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.

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 non-monetary relief
Consumer complaint received 2023-06-05 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: GA

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. 

XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX account number : XXXX, XXXX account XXXX, XXXX  XXXX account number : XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with explanation