vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted. I never applied or opened this account

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted. I never applied or opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: SLM CORPORATION
State: SC

Complaint narrative:
I wrote Sallie Mae to let them know that they were sharing my nonpublic personal information with an unaffiliated XXXX party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I sent two {$180.00} payments to XXXX XXXX, user name $ XXXX, phone # XXXX, email address : XXXX, through CashApp for tickets to the XXXX XXXX concert XX/XX/2024. ( I thought I had done my best to vet out the seller, XXXX, after speaking with him on the phone, via XXXX and email ) Tickets were sent and were very convincing fakes ) I was sent false tickets that were denied at the door. I have tried reaching out to XXXX multiple times with no response. My bank was notified on XX/XX/XXXX immediately after finding out the tickets were fake. My bank said I needed to work with CashApp to get a refund. I have followed CashApps procedures to get a refund and XXXX is not responding to those either. I have reached out to CashApps customer service and they said to just keep trying to get him to refund me, that there was nothing they could do and that I just shouldn't have sent the money. I asked to speak with a manager higher up the chain of command and was told none were available and they would only contact me via email. I am still waiting for a managers email. Upon researching further the user $ XXXX is a serial scammer on CashApp. I am not the first person who fell for his scam and yet CashApp continues to support him receiving money. They are a company who are openly supporting criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
To Whom it May Concern : I am writing to express my deep disappointment and frustration with the lack of accommodation for my XXXX by United Wholesale Mortgage services by XXXX XXXX. As a valued customer, I expected better treatment and understanding of my situation. 

Unfortunately, despite my repeated attempts to communicate my needs, XXXX XXXX  has failed to provide the necessary adjustments to accommodate my XXXX. As outlined by the Americans with XXXX XXXX ( XXXX ), it is imperative for companies to make reasonable accommodations for individuals with XXXX to ensure equal access to their services. 

Specifically, I have requested alternative methods to pay my mortgage that dont include having to be visually abled, accessibility features in online platforms. However, these requests have been consistently disregarded or dismissed by your company. 

This lack of accommodation has not only caused me undue stress but has also put me at a significant disadvantage in managing my mortgage obligations. On XXXX XXXX, I attempted to make a payment even though my vision was failing and I have previously asked repeatedly for an accommodation. As a result, I am left feeling marginalized and unfairly treated by XXXX XXXX. My mortgage was marked as late because I accidentally entered my account number incorrectly. This would NOT have happened if I were provided with an accommodation. Now it has impacted my credit and I dont think I should be penalized for being differently abled. 

I urge you to take immediate action to rectify this situation by implementing the necessary accommodations outlined in my previous correspondence. Additionally, I request a formal apology for the inconvenience and discrimination I have experienced due to the negligence of XXXX XXXX 

Failure to address these concerns in a timely and satisfactory manner may compel me to seek further action, including legal recourse, to ensure my rights as a person with a XXXX are upheld. I trust that United Wholesale will take this matter seriously and prioritize the needs of all customers, regardless of their XXXX status. 

Thank you for your attention to this matter, Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NJ

Complaint narrative:
I am writing to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed this account from their records due to an identified error and after the submission of the required FTC report and the Police Report that I filed on my local Police Department. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the account from my report. Please DELETE the account below : XXXX CARD 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$500.00} XXXX XXXX XX/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 2024-04-16 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: TN

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There should not be any addresses on my credit report besides my current address. Other address I never lived

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 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
In accordance to the fair credit reporting act, Transworld System INC, Radius Global solutions ( account # XXXX ) has violated my rights 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 : states a consumer reporting agency can not furnish an account without my written instructions. There is an address on my credit report that doesn't belong to me. I have never lived at XXXX XXXX XXXX XXXX SUN XXXX TERRACE, IL XXXX I have informed credit bureaus of the address on my file where I have never resided, and it still has not been removed. 
This same issue was reported when the debt was attempted to be collected by XXXX XXXX solutions. They provided me with a water bill. I told them I have never lived at this address and have no knowledge of any water bill. The debt was removed from my credit file. Now, the same debt has reappeared with a different company that has never communicated this debt with me, so how can it justly appear on my credit report? I have contacted the company to dispute the debt and after many attempts to reach someone, the person was extremely rude. This definitely qualifies as unfair debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NM

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 2024-04-16 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: EQUIFAX, INC.
State: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: GA

Complaint narrative:
I am not liable for this debt with VW Credit Inc. I do not have a contract with VW Credit Inc.

They did not provide me with the original contract with VW Credit Inc. as I requested.

VW CREDIT INC Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit 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: DISCOVER BANK
State: MI

Complaint narrative:
I made a purchase with my Discover card for a purchase at XXXX XXXX and never received the purchase through the shipper. I immediately contacted Discover and advised that I had not received the purchase and was issued a temporary credit for the amount in question. Discover never requested any information or explanation of details regarding the missing packages. I then noticed that the amount temporarily credited to my account was put back on my account prior to proper notice and ability to further dispute pushing my account at the account limit. I contacted Discover today to be told they could not dispute theft. This is not in the terms of agreement and again no details were asked from prior to denying my disputed claim. I made a police report, however, they never received it because I was unaware of any additional information being needed. This is not upholding their terms of their credit card agreement to protect their consumers in the event of an issue. Also, not properly notifying prior to placing this charge back on my account has placed me in a very difficult financial position without any consideration to my finances or credit. Discover siting that the retailer gave proof of shipment therefore the case was closed, without listening to their actual customer or asking for information from the customer and only leaning on the information of the retailer. Discover did not do a thorough investigation because the agent told me to try to make a claim through the shipper when this is what Discover should have done for the purchase amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX BANK XXXX Balance : {$820.00} XXXX FEDERAL XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I sent letters asking for validation of debt, original contractual agreements between myself the consumer and the agency that is alleged to be owed XX/XX/year>, as I have never conducted business with any of these organizations ever that are appearing on my reports. No response was received and the debt continues to remain on all of my credit reports.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company went on a Class action Lawsuit for Charging unconscionably high interest rates ( APR ) on its loans, and ending money to consumers without a California lender 's license. 

Please have remove this account from my credit report because its hurting my credit worthiness.

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 2024-04-16 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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The credit bureau must verify this account by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely DELETED : 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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I am not liable for this debt with IQ Data International , Inc. I do not have a contract with IQ Data International Inc. They did not provide me with the original contract with IQ Data International, as I requested. 
IQ DATA INTERNATIONAL Account Number : IQXXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$500.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$500.00} XXXX  - XX/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