vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
This account does not belong to me and should be removed from my report asap. 

Account name XXXX XXXX XXXX Account XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$120000.00} Highest balance {$0.00} Terms 66 Months

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 2022-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I filed a motion to compel the foreclosing purported claimant Goldman Sachs Mortgage Company to produce the original " wet ink '' Note in my XXXX XXXX U.S. Bankruptcy Court proceeding, case no. XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property. 

I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Massachusetts, on XXXX XXXX XXXX 

I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC
State: CA

Complaint narrative:
I made a money transfer through Intermex on XX/XX/2022. The transaction was voided. My receiver did not recieve the XXXX and Intermex refused several times to refund me the money. The reason they stated they would not refund me my money they want my bank records. I will not send them my bank statements. The transaction was voided. XXXX is the number. Please help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to Transunion to investigate 2 bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all 3 consumer agencies, Transunion, XXXX, and XXXX responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that Transunion, XXXX, and XXXX stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my Transunion, XXXX, and XXXX consumer reports. I sent Transunion, XXXX, and XXXX a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all 3 consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all 3 consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.

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 2022-12-19 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: AL

Complaint narrative:
I applied for credit an kept getting denied due to information is incorrect in the database system now allowed me received anything credit from leaders false information being reported untrustworthy activity

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 2022-12-19 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: TX

Complaint narrative:
FCRA Violation: credit card not mine XXXX XXXX  Reported: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED XXXX XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: 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 2022-12-19 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: TX

Complaint narrative:
FCRA Violation: credit card not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED / XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
I spoke with Transunion & XXXX about the old address XXXX XXXX XXXX in XXXX NJ and the old other address that I clearly ask them to remove! They fail to remove all the old address I currently not there no more they are keeping the current! The only address Im currently at and I have residential there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. When I dispute theses accusation they fail to remove all the address they told me it would take 24 to 48 hours for them to remove them! Im going to file a lawsuit again them for wrongful inaccuracies on my credit report today. Im a victim here and this needs to be investigate soon as possible, when you do show them proof they discard your evidence of proof that you sent to them. This is totally not fair to any consumer who are not being protected by the law of the consumer right. I have the right to dispute and if anything thing looks too suspicious I have the right to dispute it with evidence of proof!

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 2022-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I have contracted Volvo Car Financial Services XXXX times and requested quotes for ending my lease early. After I turned my car in, they requested payments after quoting me {$0.00}. 

I first contacted them in XXXX of 2022 after receiving mail about ending my lease early and having remaining payments waived. Subsequent contacts were made in XXXX and XXXX to obtain " quotes '' for early lease termination. Each time I contacted them, they told me " management '' would approve early termination of the lease and a decision takes XXXX business days. I was moving from XXXX state to another and my lease was set to terminate in XXXX of XXXX. I asked them how much would be due to turn-in the car versus taking it with me and shipping it across the country. Each time I inquired they forward the request to management and a turn in quote is issued and good for 14 days. 

I made the third ( and last ) request in XX/XX/2022 ( due to previous requests expiring and reinitiating a new request ). The rep told me the balance due would still be {$0.00}. 

I asked if I needed to sign anything and they told me I did not, that I only needed to turn the leased XXXX XXXX in to a Volvo dealer no later than XX/XX/XXXX of 2022 and then call XXXX back and advise the car has been turned-in, time, and mileage. 

On XX/XX/XXXX of 2022, I turned my XXXX car into my local dealer in XXXX Indiana around XXXX to a sales person representing XXXX XXXX ( who was on a call and couldn't meet me ). I then called Volvo Financial and let them know the mileage. I inquired with the dealer about turning the car in and if I needed to sign something and they said no. 

I have now received requests for payments for ; " Remaining payments : '' {$1400.00}, " Excess Wear And Use Charge '' {$130.00} and " Vehicle turn in fee '' {$350.00}. 

I called XXXX on XX/XX/XXXX and spoke to a representative, XXXX, and explained the above. She informed me she reviewed my account notes and I was quoted the {$0.00} turn in for the remaining payment and would need to forward for " account review '' and I would need to call back on XX/XX/XXXX if I would like a " status update. '' XXXX went on to explain to me the {$350.00} and {$130.00} charges are valid charges and asked me If I wanted to pay them for a combined total with tax of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: OK

Complaint narrative:
Have troubles submitting this dispute for fraud accounts 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 2022-12-19 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: OK

Complaint narrative:
Have troubles submitting this dispute for fraud accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: AL

Complaint narrative:
I applied for credit an kept getting denied due to information is incorrect in the database system now allowed me received anything credit from leaders false information being reported untrustworthy activity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
In early 2021 I attempted to update my smart phone service with XXXX XXXX XXXX online. I requested a new phone and new service. The following day I received an email saying my credit card purchase was declined. I called the credit card company and found out that because of two back-to-back purchases the transactions were declined. I then called XXXX XXXX XXXX to discuss the issue. Somehow the representative from XXXX XXXX XXXX initiated a new purchase and also processed the one that was declined at first. When I became aware of this, I contacted XXXX XXXX XXXX and cancelled both transactions. I had to repeatedly call XXXX XXXX XXXX to stop these purchases but got the now two ( 2 ) phones and services. I returned the phones and called XXXX XXXX XXXX again and thought the problem was resolved. It wasn't. I went with XXXX. I have had to give three ( 3 ) different debt collection agencies proof of that I do not owe this debt and I have another one calling me every day, sometimes three ( 3 ) times a day. Be advised that I cancelled the phones/services with XXXX XXXX XXXX  XXXXithin the fourteen-day period ( 14 ) period as was contractually agreed upon. I have recordings of my calls with XXXX XXXX XXXX detailing my attempts to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Have troubles submitting this dispute for fraud accounts 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 explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Accounts # XXXX ( XXXX XXXX ) XXXX. US DEPARTMENT OF EDUCATION XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX XXXX 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
XXXX XXXX : Diversified- XXXX XXXX XXXX : {$2400.00} This account does not belong to me. This is improper use of my credit. My name is misspelled, also I have never had any of these phone numbers attached to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: MD

Complaint narrative:
Kirshbaum, Nanney, Keenan & Griffin, P.A made an unauthorized pull of my credit report fraudulently stating I applied for Installment or Bank account credit with Kirshbaum, Nanney, Keenan & Griffin, P.A. The firm claims that XXXX told them to use the coding that pulled my report in this manner in their response to my initial complaint of this manner. I am demanding to be given the Name, Address and date of the employee at XXXX that instructed Kirshbaum, Nanney, Keenan & Griffin, P.A to pull my credit in this manner and if they had creditor authority in this matter why they pulled my credit report as if I applied for credit with them when I never gave them authority to do so or applied for credit with them?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to XXXX XXXX investigate XXXX bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all XXXX consumer agencies, XXXX, Equifax, and XXXX responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that XXXX, Equifax, and XXXX stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my XXXX, Equifax, and XXXX consumer reports. I sent XXXX, Equifax, and XXXX a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all XXXX consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all XXXX consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to XXXX to investigate XXXX bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all XXXX consumer agencies, XXXX, XXXX, and Experian responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that XXXX, XXXX, and Experian stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my XXXX, XXXX, and Experian consumer reports. I sent XXXX, XXXX, and Experian a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all XXXX consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all XXXX consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.

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