vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: AZ

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 XXXX. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} 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 : 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
My initial complaint number is XXXX. I wanted to get help with issues related to missing money from my checking account. The bank claimed that the financial tool that I used from their app was only supposed to be used for informational purposes only. However, the same financial tools can be used for helping with budgeting and managing finances. I used the tool for managing my finances for my checking account and discovered that my account was missing money. The tool indicated that there was more income than income for the checking account than spending. The difference as of today according to the financial tool is a bit over XXXX dollars. I have proof of the spending and income according to the financial tool and proof of unknown transactions from the app. The photographs should show enough proof because of the date of the unknown transactions from this morning. The unknown transactions are for amounts of {$22.00} and {$160.00} today XX/XX/2023. The photos should be attached to this message or uploaded with my 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I never received my statements, which is a Regulation Z violation.

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 2023-09-20 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: FL

Complaint narrative:
I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX  XXXX NA inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/XXXX XXXX CO inquire date XX/XX/XXXX XXXX OF XXXX inquire date XX/XX/XXXX XXXX XXXX inquire date 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 2023-09-20 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: PA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have called Affirm numerous times and tried their website, only to be told my account is frozen. 
I don't have an account number, When I try to log in to Affirm my account is frozen. 
I called them only to get dropped calls or they were escalating. 
I did not authorize anything with XXXX XXXX, and they have no record of this transaction. 
If I did, I would like to see my signature on an authorized bill I would pay the {$86.00} to to them off my back, but I can't. I wouldn't know how to send payment without a statement. 

I hope you can get a statement with an account number showing the unauthorized charge. 
I am counting on this!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: AR

Complaint narrative:
I was surprise to notice on my credit report accounts that didnt belong to me it impacted me and my family from getting a home loan

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 2023-09-20 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: NJ

Complaint narrative:
sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I XXXX  been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-20 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:
XXXX reported account as late XX/XX/23, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/23 late payment still appears on all three credit reports ( XXXX, Equifax and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NY

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  Account NumberXXXX 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 2023-09-20 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: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX XXXX by ONEMAIN Financial. I have not authorized a hard pull by this company. that is falsely listed on my credit report. 





I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
ive sent multiple letters to XXXX, XXXX, & Equifax None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
ive sent multiple letters to Experian, XXXX, & XXXX None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life

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 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
This is continuation of my last complaint XXXX, which CFPB closed. But the problem remained unresolved. 

In short, I had sent {$1000.00} to XXXXXXXX XXXX XXXXXXXX via WU. WU claimed the money was transferred XXXX XX/XX/2023. I have been communication with both WU and XXXX since that time. But all I received is denials from XXXX and WU 's claim of successful transfer. XXXX demanded a SWIFT number, which WU provided to me, and I sent that to XXXX. XXXX corporate office now wanted to correspond with WU directly to track the missing money. I gave XXXX the email address of WU ( name : XXXX ). XXXX wrote to XXXX and waited for a response. I suppose WU ignored them. A reminder was sent. This too was not answered. Then I wrote wrote WU to ask if the contacts have been made. No response. On XX/XX/XXXX I sent a reminder to WU. To this date, no response. 
I am getting the runaround. If one of these two entities clearly tell me that the money has been lost and neither can do anything more, that would be a resolution - not the one that finds the money but I would at least know where they stood. 

I am attaching a pdf of this last letter to WU which has the chain containing previous communications of mine with both XXXX  and WU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
UWM Mortgage did not lawfully obtain my consent in accordance with the GLBA to share my information with third parties including but not limited to any Consumer Reporting Agencies. UWM has reported private financial information about the consumer to third parties including but not limited to Consumer Reporting Agencies without lawful authority resulting in the breaching the herein mentioned contract.

Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA A company may not share any of my personally identifiable financial information aka non-public personal information unless you have provided me with a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.

These actions are depriving me of my right to privacy, and my right to contract. In addition to credit extension deprivation, I have also suffered a substantial loss in wages. I was denied a Direct plus loan to pay for my daughter to attend college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: VA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-20 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
I finished paying my car noteLast year XXXX XXXX XXXX XXXX, however sometime before that, in XXXX XXXX XXXX XXXX about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XX/XX/ about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX  was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
I finished paying my car noteLast year XXXX XXXX XXXX XXXX  however sometime before that, in XXXX XXXX XXXX  ), about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XX/XX/ about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?

Company response to consumer: Closed with explanation