vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
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 these inquries are fraudulent... 
i asked to be removed and nothing was removed

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 2023-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Formal Complaint Against Transworld Systems Inc - Incorrect Debt Collections I am writing to file a formal complaint against Transworld Systems Inc, a debt collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, with the contact number XXXX. This complaint pertains to an alleged debt under XXXX XXXX and XXXX XXXX XXXX XXXX, totaling {$70.00} and {$110.00}, respectively. I vehemently dispute the validity of these debts, as I do not owe any amounts to either of these entities. 

Details of the Complaint : Debts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : Transworld Systems Inc. has been attempting to collect debts on behalf of XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, totaling {$70.00} and {$110.00}, respectively. I want to make it unequivocally clear that these debts are not mine, and I dispute their validity. 

Lack of Validity and Documentation : Despite my multiple requests for validation and documentation confirming the legitimacy of these debts, Transworld Systems Inc. has failed to provide any substantial evidence proving that I am the rightful debtor. I have not received any verification of the debts, and I believe this collection is in error. 

Incorrect Debt Ownership : These debts do not belong to me, and I am concerned that there may be a case of mistaken identity or an error in the assignment of these debts to my name. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Transworld Systems Inc. 
Verify the legitimacy of the debts in question and confirm whether they are indeed associated with my name. 
Take appropriate action to ensure compliance with consumer protection laws and correct any errors in the debt collection process. 
I am deeply concerned about the accuracy of the information being reported by Transworld Systems Inc., and I believe their actions may violate the Fair Debt Collection Practices Act ( FDCPA ). Your intervention is crucial in protecting my consumer rights and rectifying this situation. 


Thank you for your immediate attention to this complaint. I trust that your investigation will bring clarity to this matter and prevent further harm to my credit and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called Experian after I couldn't login online and automated robot ask me XXXX question do i want to freeze my report or order a report repeating asking the same questions with no other options until the system was going to disconnect it said I can only transfer call in special circumstances then system hung up dial tone. This is ridiculous the amount of time just trying to get my credit reports must less dispute items I have been dealing with XXXX, XXXX and Experian for the several years I can not contact Experian by phone or online when try to reset password my phone number doesn't match there records., thats XXXX minutes after I gave 2 reps. my phone number. Unbelievable.

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 2023-12-21 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: FL

Complaint narrative:
I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently XXXXXXXX ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : Fair Collections and Outsourcing - XXXX XXXX XXXX XXXXXXXX XXXX, Fl. I have never lived in the city of XXXX one day of my life. I provided evidence of my residence for the last 20 yrs. Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On my credit report for XXXX and Experian, it is still showing a XXXX loan balance, however, my loans were forgiven by the Biden Administration effective XX/XX/2023. The balance for my loans need to reflect {$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 explanation
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the wrong payment information. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX XXXX lenders to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2017 so I am confused as to why this information is being furnished to Experian. I am enclosing a copy of my credit report. Please remove this account from my credit report XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


XXXX XXXX -TransUnion 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

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 2023-12-22 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: AZ

Complaint narrative:
I was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are 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 2023-12-22 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: AZ

Complaint narrative:
I was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Per the Privacy Act of 1974 Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My credit card account with Target has been locked for 2 months ( that I know of ) and no one seems to know why. I do not have a balance on the card and I am not late with payments. I was told to contact the 3 credit bureaus to have them life a fraud alert, so I called and only 1 had an alert and has lifted it but my card is still locked and not usable. I called Target back to let them know and they told me that there is nothing they can do on their end. I like shopping at Target with my card and getting the benefits from it but I'm going to close my account if I can not use it. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


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 -Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
On XX/XX/23 I applied for a loan on uprova.com. The loan I was offered was for {$1200.00} at 34 % interest with monthly payments of just over {$100.00}. 

I didn't receive a contract to sign but instead got an email thanking me for signing, and shortly after that another email saying my funds were on their way. {$1000.00} was deposited to my checking account on XX/XX/23. When I signed in to uprova.com and looked at my loan document the terms were completely different from the loan they offered me. The document says the interest is 544.04 % APR with bi-weekly payments of {$210.00} and a total cost of {$3600.00}. I can't pay this and did not agree to it. 

I knew something was wrong and when I investigated online I discovered many class action and other court cases again Uprova and the parent company XXXX XXXX. I reported my experience to the Calif. Atty Gen'l. As I understand it, this kind of usury is illegal in California. 

The stress and time spent having to access legal aid and bank support, and the loss of sleep and migraines I've had for two days is, sadly, only compounded by the discovery that so many others have had this exact experience and have suffered so much financially and emotionally at the hands of these criminals.

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I HAVE SENT A LETTER TO XXXXXXXX XXXX REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION.

This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX HSBC Cashback Card ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last four digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect Former : 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  In accordance with the Fair Credit Reporting Act, my rights have been violated by the accounts and companies stated above. 
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 an account without my written instructions.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Company keeps giving I a void form. Than Company refused to enter name correctly. Company entered an invalid name in credit application. Company does not have option online to update name information where there is an error on display. Company abbreviated name against English language rules. company is mailing denial letter to home address which is intimidating to XXXX I asked for online support and they referenced me to fill another non english rule form that is void by the states federal holiday XXXX XXXX  given name. I request staff to follow english rule and enter name correct as written on ID. I keep getting XXXX forms or the staff keeps converting name into XXXX from XXXX. Than Staff also stealing US citizens creed units victory always and trying to apply from XXXX to XXXX to result in abbreviating name. It's every man for their self.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Mohela is reporting duplicate student loan account to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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

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 2023-12-22 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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