vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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 pleading with you to remove this from my credit report as it is not mine 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 2023-06-06 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My daughter had a tooth extraction but she didn't provide all the insurance information, so they charged her an extra {$140.00} for the extraction, I called the dentist next day and gave them the correct insurance information and they verified it and they told me they will refund me, but they didn't refund me, I called many times but they didn't refund me yet, they keep saying another week and another week. 
I called the credit card company Chase Business Ink Credit Card to dispute the charge, but they denied my request just over the phone even without doing any investigation, I wasn't happy with their response as they should have at least refund me back and they will deal with the dentist who will not deny the refund because he over charged me by error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear Sir/Madam : My name is XXXX. I opened several CDs and Savings accounts with Bread Saving. I even set direct deposit with Bread Savings. Recently My CD matured on XX/XX/2023. I need this money for my mortgage down payment. Because the down payment has cutoff date. I contact Bread Saving early. the first agent said <...... Please allow 1-3 business days processing time for funds to be sent to your external account ending in XXXX ... ... >. On maturity date XX/XX/2023, I called Bread Savings to inquire when I will receive my money. An agent said that they need a statement from my external bank account. I asked why the first agent didn't tell me this requirement and I this external bank account is already in my Bread Savings ACH transfer list ( and already successfully ACH transferring several times ). She insisted I must submit the external bank account statement. I did it in the same day. She promise me by sending me message < ... ... Your statement has been submitted for review. Please allow 3-5 business day for processing ... ... >. Today is XX/XX/2023, I still haven't received my money. I contacted them again, I got an answer < ... ... I do apologize for delayed process. Your pending review for statements were approved this morning and funds are in process to your Financial Institution within 3-5 business days ... ... .>. 
I am really upset. The worst thing is I missed the Cutoff date the mortgage company set for me. How can a bank hold my money for 2 weeks when it matures. 
Thanks. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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: TX

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-06 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: TX

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/29 my identity was stolen. There have been multiple accounts created with my personal information. Ive tried to close many of them but the cash app account created with a fraudulent number Also a company called XXXX XXXX. I know there was an account created with my information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency cant furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted and removed from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to remove these accounts and information.

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 2023-06-06 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off XXXX months that I missed it was not clear to me that XXXX months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oaks Ca XXXX XXXX Customer Care XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter regarding the negative report I have received from the Monterey Collection agency. This agency works for the XXXX XXXX XXXX a timeshare located in XXXX XXXX. We purchased a newly built unit in XXXX XXXX XXXX. We were told the presentation only takes XXXX minutes and we have no obligation to buy. this most harassing presentation finally forced us to sign the papers that trap us in a commitment that we never really desired. They talk about immediate booking anytime we desire, helping us to rent our other timeshares that never happened, long process of booking our timeshare and sometimes we even couldn't do that. We paid {$5000.00}. It was early 2003 or so. When we bought the week every other year we thought when we went to XXXX that was the unit we would get. Every time we went we got a different older section and we were unhappy. We complained to XXXX XXXX XXXX but nothing changed. We had paid off the unit and got tired of paying fees every other year when they did not give us the unit we purchased. At a time when we could not afford to pay and financially we were practically broke. However, at a time when we could not afford to pay and financially we were practically broke. I decided to resolve this matter peacefully after our case has already been passed to Monterey Collection Agency and talked to one of their agents. In talking to this agent -Tessa- XXXX put my condition to resolve the issue to pay one time the disputed amount of {$1000.00} if they help me to relinquish the timeshare. We ask them to reach us from paying anymore and let us sign the owner transfer form. We kept trying to get that form but they refused to let us out even after we paid it off. This was unfair and unjust as were sold one thing and given another. This was a lease after 25 years it's gone with no ownership. I am strongly disputing this matter and I want the bureau fairly consider this report that unjustly affects my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted and removed from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to remove these accounts and information.

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 2023-06-06 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: IN

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transaction several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
XXXX XXXX XXXX is inaccurately reporting late payments for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX is inaccurately reporting late payments and balance owed. The late payments are from XXXX and XX/XX/XXXX. The account was closed and paid. 
XXXX XXXX is inaccurately reporting a late payment in XX/XX/XXXX and balance owing. This account was paid and this dispute has been pending over 45 days. 
XXXX is reporting a late payment and I disputed this account for inaccurate information and it has been pending for over 45 days. 
XXXX XXXX XXXX XXXX has been in dispute for fraud for over 45 days. I have received no information about this account, not even debt validation or accurate reporting to so it is mine. 
I have asked them to remove an inquiry from XXXX XXXX XXXX from XX/XX/XXXX because I have not authorized any application from this retailer. 
These mistakes has a direct effect on my ability to receive loans and credit at a lower rate. I have been denied on occasions because of inaccurate information 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 2023-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX of this year I transferred money from my bank of XXXXXXXX XXXX to Carrington mortgage services their Bank was XXXX I transferred {$3300.00} on XXXXXXXX XXXX business days later they stay they still have not received the funds I've already confirmed with my bank that the funds have been received I can confirm with an XXXX number and confirmation number that their bank has received the funds of initially did all the leg work for them I've contacted Carrington mortgage services and asked if they could please update my account to prove that the payment has arrived or if they could verify the payment is in their account they seem to be unaffected and verifying this and unhelpful. I spoke to an agent ID number XXXX they're escalation agent was unhelpful to be honest I already did the work to verify the funds have been transferred to their account but they seem to insist that I should wait longer and that they never received the funds I've already contacted my bank to look into this further but this is something that is makes me feel very uneasy for my mortgage company to think that's customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: NV

Complaint narrative:
There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX XXXX XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX

Company response to consumer: Closed with explanation