vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: AL

Complaint narrative:
XXXX is reporting false public record on my report i spoke with the courts that they say it was filed in and they told me they don't send information to any reporting agency 's

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 2024-12-28 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: AL

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$730.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$3200.00}, XXXX XXXX XXXX {$960.00}, XXXX XXXX XXXX {$560.00} XXXX looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Transworld systems reached out to me via postage claiming to collect on a debt. I immediately requested more information upon receiving their letter, and they responded to me around 20 days later. When I opened the packet, there was an itemized bill from XXXX stating I owed them {$2600.00}, which is also what's listed on my credit report. There was also a small letter from Transworld Systems claiming they were collecting a debt in the amount of {$3000.00}, with no explanation for the difference. It is illegal and directly against the FCRA to collect more than the alleged original amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Recently my house was refinanced and Newrez becomes my new lender. Since my community is a new construction, township sends out supplemental tax bills. Newrez is aware of that, and sent me a mail ( I have the original mail ), stating they will not pay the supplemental tax bill, unless I forward the tax bill to them. So I chose to pay it myself. I paid {$11000.00} to my township, and I got confirmation from the township tax collector. However, Newrez tried to pay that too even though they told me they wouldn't. I asked my township tax collector, and was told the check from Newrez was sent back on XX/XX/year>. I contacted Newrez twice, and they refuse to admit the check was returned to them, and insisted the check was cashed, and my escrow balance was deducted. Newrez failed to manage the tax effectively, and charging me an extra of {$11000.00}. This can't be accepted.

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 2024-12-28 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: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2024-12-28 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: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2024-12-28 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: CA

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 explanation
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my credit score. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.

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 2024-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: AP

Complaint narrative:
On Friday, XX/XX/year>, I contacted the XXXX XXXX XXXX XXXX XXXX and spoke to a customer service representative named XXXX. I reported that I was disputing the emergency room bill of {$1200.00} and the emergency room doctor 's bill in the amount of {$860.00} because I received no healthcare services nor was any test completed on me to assist me with my diagnosis of XXXX XXXX XXXX XXXX XXXX XXXX. I informed her that I was sent home with a prescription for XXXX  which was not the solution to my healthcare challenge. 
Since the date of Saturday, XX/XX/year>, I have sought care from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and had to have XXXX XXXXXXXX XXXX XXXX  XXXX on Tuesday, XX/XX/year>. 
The bills sent to my insurance company for the dates of service of XX/XX/year>, with XXXX XXXX XXXX, and XX/XX/year>, with XXXX XXXX XXXX XXXX XXXX and doctor are fraudulent as no tests were done and no services were provided for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, is reporting three different total amounts owed, which is inconsistent and damaging to my credit profile. This discrepancy is negatively affecting my livelihood and ability to secure financial opportunities.They reported to XXXX that the total balance owed is {$33000.00}. XXXX XXXX reported to XXXX and Transunion that the total owed is {$33000.00}. XXXX XXXX reported to XXXX that there are 3 late payments. XXXX XXXX  reported to XXXX that there are 5 late payments. XXXX XXXX reported that there are 4 late payments to Transunion. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). This error violates my rights under this law. Additionally, creditors must provide accurate updates to credit bureaus under 15 U.S.C. 1681s-2 ( a ) .This error has caused undue hardship by lowering my credit score and impeding my ability to access necessary resources.

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 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> and transferred some money from my XXXX checking account to my chime account and as soon as the transfer was complete chime said that my account was suspended because of suspicious activity however my XXXX account is in my name my time account is in my name and so I don't understand what the problem was they asked for my ID and bank statement and I've sent it multiple times and they have still refuse to give me my money back {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, is reporting three different total amounts owed, which is inconsistent and damaging to my credit profile. This discrepancy is negatively affecting my livelihood and ability to secure financial opportunities.They reported to Equifax that the total balance owed is {$33000.00}. XXXX XXXX reported to XXXX and XXXX that the total owed is {$33000.00}. XXXX XXXX reported to Equifax that there are 3 late payments. XXXX XXXX  reported to XXXX that there are 5 late payments. XXXX XXXX reported that there are 4 late payments to XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). This error violates my rights under this law. Additionally, creditors must provide accurate updates to credit bureaus under 15 U.S.C. 1681s-2 ( a ) .This error has caused undue hardship by lowering my credit score and impeding my ability to access necessary resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to request the deletion and blocking of the following fraudulent accounts and inquiries from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened without my consent and are the result of identity theft and fraudulent activity related to the data breach. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to TransUnion numerous times regarding inaccuracies on my account, but despite my efforts, these issues remain unresolved. Under my circumstances, I have submitted dispute requests and provided documentation to support my claims, yet no progress has been made.

In contrast, I have successfully resolved similar issues with XXXX and XXXX through the Consumer Financial Protection Bureau ( CFPB ) process. I would like TransUnion to know that I have taken proactive steps to address these discrepancies with other credit reporting agencies and expect the same level of resolution from TransUnion.

It is essential that my disputes are reviewed thoroughly, and the inaccuracies on my account are corrected promptly, trans union does not meet my credit reporting standards needed as I am homeless. Please prioritize my case to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and avoid further escalation.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was discharged from a XXXX bankruptcy XX/XX/XXXX. I called to XXXX and asked questions concerning my account since I'm no longer in bankruptcy. My home was never included in my XXXX. However, as of XX/XX/XXXX on my Equifax credit report its not reflecting that I have an active mortgage account. But it does show that the account was reported by XXXX as closed.

This company needs to get their heads out of the four points of contact and do right by the customers and their accounts. I'm sure there are laws protecting consumers and their rights when it comes to situations like this. They're going to lie and say we did report to Equifax. They would be lying.

I have took photos and printed out my report as proof and also have a bank printout of monthly mortgage payment made to this company. I've had this loan with them after refinancing since XXXX to present day. 

They are not reporting payments I have made since they've acquired the loan. I'm sure I'm not the only one complaining about this company and its practices. And I have a right to say that this company needs to be investigated seriously. I can be reached at XXXX. Since it's closed give me the title to my house. Companies need to be held accountable for their actions. They'll hold me accountable. So, as a consumer, I will fight back every time something happens of this nature. And all three credit bureaus need to be updated from the time they acquired the loan XXXX to present day. This is unfair work pratices and ethnics as a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$12000.00},,, XXXX XXXX XXXX {$7300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$39.00} ... XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX {$6500.00} ... XXXX XXXX XXXX {$360.00} I looked at my XXXX and Equifax report on XX/XX/2024 and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
They responded back to you that my account is accurate. 
Account # XXXX XXXX XXXX XXXX, I need a validation letter showing proof that they own this debt, copy of original contract with my signature that i sign for this debt and proof that they own this debt, address and name, if not they need to remove off my credit report. 
Also the orginal furnisher to send me the XXXX that they got from the IRS when they file and right this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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