vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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.

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-17 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 have disputed incorrect credit reporting to XXXXTRANSUNION several times and asked for this incorrect information to be removed from my credit report several times as well. XXXXTRANSUNION refuse to remove this information. 

XXXX XXXX XXXX XXXX NEVER INSTALLED XXXX XXXX  on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

XXXXTransunion are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have XXXX XXXX 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in XXXX and refuses to update XXXX. I have informed XXXX that i never received XXXX XXXX from this company many times and they refuse to remove this incorrect information from 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 2024-04-17 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 have disputed incorrect credit reporting to XXXXEQUIFAX/XXXX  several times and asked for this incorrect information to be removed from my credit report several times as well. XXXX/EQUIFAX/XXXX  refuse to remove this information. 

XXXX XXXX XXXX XXXX  NEVER INSTALLED XXXX XXXX on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

XXXX/Equifax/XXXX  are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have solar panels! 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in 2023 and refuses to update XXXX. I have informed XXXX that i never received solar panels from this company many times and they refuse to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XXXX I made a purchase on XXXX and Ive selected the affirm payment plan option to buy the item, when the item arrived it did not meet my expectations and return it within the a day of the purchase, I contacted affirm and they suggested that I should still pay the loan while the refund and return settle, i finished paying the loan in full and I contacted affirm to get my refund, they keep telling me same thing over and over that I needed a case number which they provided but every time Ill call Ill get a different XXXX, they requested documentation which I sent to affirm, they stated that they never received confirmation from XXXX regarding the return and refund, so I contacted XXXX and requested a letter from them which states that they did in fact sent a refund to affirm, its been 3 months already and Im still not getting my refund when I have provided affirm documents that state return completed, refund issued and a letter that they have sent the refund information to affirm, this is a step closer for me to get my issue resolve before I seek legal advice, I dont think a company should be taking advantage of consumers this way this is plain sight scam they are known for doing bad business practice specially with money returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Last month I was approved for unemployment insurance by California 's XXXX. They now issue benefits via a prepaid debit card from a company called Money Network Financial , LLC ( and I'm told the cards are actually issued by " My Banking Direct, a service of XXXX XXXX XXXX XXXX XXXX ). I waited weeks for the debit card to arrive, but it never showed up ( I use XXXX Informed Delivery, which emails me scans of every letter that's out for delivery - the letter with my card never showed up in their system, so I know that it was not stolen by my mailman ). 
I called Money Network XXXX XXXX to complain and they told me to keep waiting. The third time I called ( this Monday ), I was told that my card was activated and almost all the funds ( {$780.00} - almost XXXX weeks of unemployment insurance ) were transferred to a XXXX XXXX account. I notified them that I never received the card, did not activate it, and bank with XXXX, not XXXX XXXX. They said I could fill out a dispute form, which they only mail out physical copies of ( no email! ) and takes XXXX business days. Once I return the form, they start an investigation which will take XXXX days!! Meanwhile, I don't get the missing funds returned to me. 
I did some research online to see if others have had this issue and stumbled upon dozens of other people making the same complaint - their cards were activated ( either before the cards arrived in the mail, or the cards never arrived at all ) by someone else and the funds removed. This is clearly an inside job, as some people are reporting that passwords and other info were changed and only employees of XXXX, Money Network, or XXXX XXXX XXXX  could have had access to their data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 

XXXX XXXX : opened XXXX XXXX, 2023 XXXX  XXXX : Account number XXXX XXXX  XXXX : Fraudulent Charges {$2900.00}

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 2024-04-17 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
Back in XXXX my Information was stolen when XXXX XXXX XXXX XXXX XXXX XXXX, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. I have no connections or knowledge about any account listed. please help me on correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/15, I received a call from the number on the back of my debit card. The person who called told us they had a pending transaction in a wire transfer that they wanted to confirm for {$9500.00}. They knew we don't use the wire transfer feature and it was from out of state. We told them we didn't make the transfer. They proceeded to tell us that we could help them catch the person by walking is through temporarily allowing the money to go and they would catch them. They gave me some numbers to enter. As soon as we finished, we had a really bad feeling and I instantly called the bank. The bank told us it was a scam. We filed a fraud alert but our claim was denied.

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 2024-04-17 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Dealer didn't give any information to me. They took huge percentage for loan. This is more than market rates. I asked tham several times who is the loan provider? They didn't give me any printed paper and told that i would learn loan information after receiving mail. So, when i bought the car i didn't know that loan was very expensive. They also didn't tell me the name of loan supplier. I learned its name after their mail to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
I was XXXX XXXX to an XXXX area in XXXX with limited internet and postal options in XXXX of XXXX thru XX/XX/XXXX. During that time period, I was unaware that my mortgage account was purchased by Carrington Mortgage Services , LLC around XXXX of XXXX. I had no notification of such changes until my mother ( back in the U.S. ) notified my via XXXX XXXX that a Carrington mortgage statement claimed 4 months of arrears of mortgage payment and possible default on loan. I immediately authorized my mother to make money order payment of {$4500.00} in the month of XX/XX/XXXX to Carrington Mortgage Services , LLC . to become current on my home loan. I did email Carrington Mortgage Services a copy of my XXXX XXXX orders showing XXXX  XXXX status and they marked 60 days as " suppressed '' but still reported as a 90 day delinquency to all 3 Credit Bureaus. Which has been devastating, in the limitations it has placed on my options to use my XXXX XXXX to purchase a new home upon me returning from this deployment.. 

I have had my mortgage payments on autopay for 3 years and can show a positive history of on time payments. 

Carrington Mortgage could not explain why previous fault months were suppressed and no late fees were placed but still reported as 90 days delinquent and had no desired to adjust.

Carrington Mortgage did not have my correct email address on file. *so no electronic notification of new lender or late payments during my XXXX. 

Carrington Mortgage does not provide current avenues of communication for their loan admin dept. No contact email or phone number. Only mailing address or Fax # for information requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-04-17 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: MO

Complaint narrative:
According to F C R A section 605 B, it is illegal to report information on my credit report without my permission. Thank you please remove this from 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 2024-04-17 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
According to F C R A section 605 B, it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
We sold our home a couple years ago and there is a XXXX balance. However XXXX credit beureus are still reporting it even though we have a XXXX  letter from the mortgage company showing the XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MI

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.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have a current open complaint about this same company with CFPB. The same day I opened this complaint they immediately removed this debt from my credit profile and are now harassing me via emails and letters to my home dated on ( XX/XX/24 ) same exact date the original complaint was submitted! I don't owe this debt, it's been in my bankruptcy, and they are not authorized to contact me whatsoever!

Company response to consumer: Closed with explanation