vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian XXXX XXXX Charge off investigation XXXX XXXX Code XXXX XXXX states A person XXXX not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I requested an investigation on everything in my file in which Experian states everything is verified as accurate. I then requested the detailed investigation report on this closed XXXX XXXX XXXX off account negatively impacting my credit, which was sent out XX/XX/year> ( receipt for proof attached ) and as of this date XX/XX/year> I have not got a response or been shown how this account was verified. Please remove this XXXX XXXX XXXX off immediately. Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: LA

Complaint narrative:
My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer to XXXX through sendwave. I had sent {$1600.00} to a XXXX XXXXXXXX XXXX  account number. The recipient was supposed to receive XXXX XXXX. My transaction was supposed to be delivered in minutes but originally said " delayed '' of which I called Sendwave to cancel the transaction since they couldn't deliver. The next day, XX/XX/year>, the status of the transaction was changed to " delivered '' but my recipient did not receive any money in XXXX  I contacted sendwave immediately and I was told a reversal has been initiated. It's been over XXXX weeks now, sendwave has not credited my recipient nor refunded my dollar amount. They're now saying that " reversing the transaction is not guaranteed ''. So, basically they're trying to SCAM me of {$1600.00}. They will not deliver XXXX  and won't refund my dollars. I also provided the recipient 's statement of account showing no money was received, which Sendwave acknowledged but will still not refund my dollars. They keep saying they're waiting to hear from their partners.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I received an email from Experian stating that they had finished their investigation. When I tried to access the completed dispute, I could not. I tried to reset my password, but the security information sent to verify me said my cell number did not exist. 

I ordered the free copy for Experian AND my cell number is in their database. Why they are stating my cell number isn't valid? 

I have called four numbers associated with Experian and the only time I was transferred to a customer specialist was before the office was opened. 

When I called the office after opening, I was told by the canned speech that I would have to send a written request to contact Experian. 

I am concerned that I can not read Experian 's completed action of the dispute. 

Cordially 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 2024-06-13 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: MO

Complaint narrative:
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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I closed on the loan with XXXXXXXX XXXX The tax division of XXXX overpaid 2024 property taxes. The taxes owed were {$3000.00}. XXXX paid {$7400.00}. They attempted to raise my mortgage. I contracted the tax division of XXXX XXXX in XXXX to understand the discrepancy. They agreed there was a discrepancy. The tax division said they needed to make a formal request for a refund from XXXX XXXX. I was told at that time to continue paying the lower monthly mortgage amount and that the tax division would secure the refund. Then XXXX reported on my credit report that I was delinquent in my payment therefore lowering my credit score. I contacted XXXX and asked where the refund was and why they reported my payments being late after being told to continue paying the lower amount. They admitted they had never made a request to XXXX XXXX for the refund. I also reached out to XXXX XXXX and they too said no request had been made by XXXX for a refund. Now my credit is being impacted because of XXXX 's failure to pay my property taxes correctly and again by not requesting the refund as they committed to do. We have documentation to show all of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Theres a class action lawsuit out on credit acceptance for manipulating clients contacted of harassing them about the Car loan and I put a down payment, which was my other car on my vehicle to get this vehicle and is against a lot to ask for any money at the time of loan!! Credit acceptance has been deceptive about the car loan leading and harassing me about this car loan and my credit back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: LA

Complaint narrative:
My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
I reached out to this company via certified mail for verification and validation of a collection account on XX/XX/year>. A few days later I received a phone call on voice mail from this company. When I checked my credit report information a month later I noticed a second company had started reporting the same collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # a which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Inquiry Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these inquiries must be removed within 4 Business Days of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I went to purchase a car on XX/XX/year>. I was informed that my birthday has been removed from my credit report. And I called Equifax to fix the issue. They could not give me any information on why this happened. They told me that I could log into my online account and submit documents. When I tried to do this it gave me an error on the website. Then they told me I needed to mail in copies of my social security card and drivers license. I mailed those over night on XX/XX/XXXX to their XXXX like they instructed me. I added a cover letter asking to be updated when they had this process completed. I call back on XX/XX/XXXX and got confirmation they have gotten my documents and they would be added my birthday back. I went to the dealership again on XX/XX/XXXX and found out they did not add it back. I called again last night and Equifax is now telling me they have not updated my birthday but they did get my documents. They have been unable to provide me with any updates since that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
Since XX/XX/year> its not being able to access my account. Because the sent me an email to confirm XXXX and I forgot to answer this. 
I already sent XXXX emails asking more information and they have not answered me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It has come to my attention that you have neglected to fulfill the requirement outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. Specifically, you failed to indicate that a particular account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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