vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is an FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account Number : 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 2024-05-30 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : inquiry name : # XXXX XXXXnquiring Date : XX/XX/XXXX, Inquiry name : # XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, inquiry name : # XXXX inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX, Inquiring Date : XX/XX/XXXX Inquiry Name : # XXXX XXXX XXXX, inquiring XXXX XXXX XX/XX/XXXX, Inquiry Name : # XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXX, Inquiring Date XX/XX/XXXX, inquiry Date : # XXXX XXXX  XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I WILL NOT REST UNTIL I GET JUSTICE FOR TJE UNAUTHORIZED TRANSACTIONS DONE ON MY APPLE CARD. THEY KEEP SUBMITTING LIES AND FALSE INFORMATION AND YET THEY CAN NOT PROVIDE EVIDENCE OF THE UNAUTHORIZED INVESTIGATION THAT WAS CONDUCTED ON MY CARD, THEY ARE BLATANTLY CALLING ME A LIAR AND SAYING I INTENTIONALLY OPEM THE UNAUTHORIZED TRANSACTION WHICH IS FALSE!!!! 


I'm reaching out to CFPB once more about the same issue I'm experiencing with Goldman Sachs Bank USA ( the Bank ) about unauthorized transactions on my account, they claimed that I open multiple dispute on my account totaling {$4400.00}, what they failed to realize is that these transactions are fraudulent transactions on my account and that's I contacted them to have a look at them, the representative contacted me on XX/XX/year> while I was at work and was unable to talk he then contacted me back on XX/XX/year> & asked me XXXX  is XXXX XXXX, edict apparently was the name of the person that conducted the fraudulent transactions on my account. Yet they are here claiming that these transactions are not fraudulent. I'm hard working citizen I work XXXX every day and I swear for my money, so if I see an unauthorized transaction or transaction, S totaling {$4400.00} on my account I have every right to report it. It's very clear that Goldman Sachs Bank USA ( the Bank ) did not conduct a proper investigation under these transactions, they also refused to provide documentation of what happened, they hsve the name of the person who conducted the fraudulent transactions yet they are claiming that the transactions is valid. I'm kindly asking the CFPB to please assist in these unprofessional behavior of Goldman Sachs Bank USA ( the Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-05-30 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-05-30 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: OneMain Finance Corporation
State: IL

Complaint narrative:
ONEMAIN Review my credit report without my permission on XX/XX/2023 at the time I was XXXX for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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 have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion Credit Bureau refuse to remove negative item on my credit report. 
In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose XXXX Credit Bureau In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose

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 2024-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This complaint is filed by Defendant XXXX XXXX against XXXX Wells Fargo Bank , National Association, as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Asset Backed Certificates, Series XXXX ( " Wells Fargo '' ). The complaint highlights several legal deficiencies and procedural failures by Wells Fargo in its foreclosure action against XXXX XXXX. 

Key Issues : Failure to Meet Mandatory Condition Precedent : Wells Fargo failed to provide the required Emergency Mortgage Assistance Program ( EMAP ) notice under Connecticut General Statutes 8-265ee ( a ) before initiating foreclosure. This failure to comply with mandatory pre-foreclosure notice requirements invalidates the foreclosure action. 
Lack of XXXX : Wells Fargo has not demonstrated legal ownership of the mortgage and note for the property at his residence in XXXX, CT XXXX. According to the Supreme Court 's decision in XXXX XXXX XXXX, plaintiffs must show concrete harm to have standing. Wells Fargo has not shown any concrete, particularized injury resulting from XXXX XXXX 's actions. 
Improper Filing by Legal Firm : Documents were erroneously filed by XXXX XXXX XXXX XXXX XXXX ( " the Firm '' ), which was not in existence until XXXX, yet listed on the Court 's docket as filing documents in XXXX. This misrepresentation is impossible and misleading. Additionally, the XXXX filed pleadings on behalf of an entity not a party to the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: IL

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

I told Experian, XXXX, and XXXX to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : 1 ) XX/XX/XXXXACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

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 2024-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I made a transfer of {$190.00} with a transfer fee of {$1.00} amounting to a total charge of {$190.00} on XX/XX/year> to my mom in The XXXX. The expected date for the transfer to be available was XXXX XX/XX/year>. The funds are still not available today XXXX XX/XX/year>. My first step was to ask my mom to communicate with the receiver bank and they stated no funds are available from XXXX to honor this transaction. I contacted XXXX through various means but I was not successful in getting a case started until XXXX XX/XX/year>. I provided them the reference number of the transaction, amount, name of receiver, bank account number of receiver, and bank name. I received an update today ( XXXX XX/XX/year> ) with information that contradicts itself. The message stated they indeed found an error with my transfer. However the funds were deposited but I was also entitled to a refund of only the transfer fee of {$1.00}. I called and spoke to an agent who said as far as they are concerned, the funds are deposited and there is nothing they can do for me. The funds are indeed not deposited and I would like someone to help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  reported an invalid balance and eviction onto my report that also later went into collections unknowingly after we went to court and the amount was dismissed due to the reported balance from the leasing company being incorrect. It is now showing up as an eviction as well when I moved voluntarily. And the corporate office has been giving me the run around and telling me to deal with the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
# # # Equifax 609 Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX **Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX **Request for Verification and Dispute of Inaccurate Information under Section 609 of the FCRA** Dear Sir/Madam, I am writing to request a complete disclosure of the information in my credit file as per my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). Additionally, I am disputing the accuracy of the following account, which appears on my Equifax credit report : - **Creditor** : XXXX XXXX XXXX - **Reported Date** : XX/XX/year> - **Balance** : {$160.00} - **Credit Limit** : {$300.00} - **Account Status** : Open - **Responsibility** : Individual Account This account is inaccurate and does not belong to me. It does not appear on my XXXX credit report, which contains accurate information. 

Please provide : 1. Verification of the account in question. 
2. The method used to verify the account. 
3. Copies of any documents associated with this account. 

Enclosed are copies of my identification documents to verify my identity. 

Thank you for your prompt attention to this matter. Please respond with the requested information and correct any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of identification ( e.g., driver 's license, social security card ) - Proof of address ( e.g., utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE PRIVACY ACT OF 1974 and its entirety Public Law 93-579, as codified at 5 U.S.C. 552a SECTION 2 specifically Direct violation of the privacy act of my credit report. 
Dates : XXXX Current creditors obtaining, selling and/or exchanging confidential personal information to third party debt collectors and/or subsidiaries.

( b ) The purpose of this Act is to provide certain safeguards for an individual against an invasion of personal privacy by requiring Federal agencies, except as otherwise provided by law, to -- ( 1 ) permit an individual to determine what records pertaining to him are collected, maintained, used, or disseminated by such agencies

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 2024-05-30 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: AZ

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 3rd party. They in fact did not come from a 3rd 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
UNITED AUTO CREDIT CO Inquiry on my credit report four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my permission. At the time I had XXXX and just had a XXXX XXXX and XXXX. I was not looking for a car because my license was expired. I also could see due to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CL Holdings LLC
State: AR

Complaint narrative:
Some of my debts were removed off of my credit a long time ago. And recently one of my old accounts were resold and made to look as if i just opened the account as new which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Their my.equifax report is completely different than what their actual report shows. I tried to address that, and now I cant login. It says I have to call. Trying to use the lost password way says I have no account, and trying to sign up says I have an existing account. And on it goes in a circle. I call and they have no idea whats wrong. They said Ill get an email from tech support in ten days. This is unacceptable. They cant lock you out and just not know why.

Company response to consumer: Closed with explanation