vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a 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 non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
On XX/XX/2022 I contacted Experian by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Experian any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Experian. Experian took the effort to update my current address after I asked them to remove all fraudulent information, but all other improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. 

I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
portfolio recovery reported the same debt 3 different times in one year. XX/XX/18 for {$830.00}, XX/XX/18 for {$850.00}, sold it to another company who reported it on XX/XX/18 {$870.00}, sold it back to portfolio recovery XX/XX/18 for {$810.00}. I requested proof of debt. It is severely impacting my credit score. Additionally, I had a credit card in collections that I resolved with XXXX  XXXX, but portfolio reported it as collections on XX/XX/18 {$1200.00}. I asked for proof of that with no response. I want these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I purchased another vehicle with XXXX and of the loan was again with Bridgecrest. I decided to refinance loan with XXXX. XXXX has sent a payment in the of XXXX. Bridgecrest has posted the amount as XXXX, and has not closed out my loan. They have posted. a balance owed of XXXX for XX/XX/2026. My loan was refinanced and my new payments begin at the end of the month with XXXX. Bridgecrest owes my XXXX and are attempting to hold out the loan to obtain those proceeds. I have contacted an attorney and have attempted contact with the company. Bridgecrest is a fraudulent company. I would like my funds back. I will continue to make known the issues that Bridgecrest have... not a good company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



Name accounts below : DP OF EDUC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Caine and Weiner has violated my Federally protected rights under the FDCPA. I never received a letter to dispute before furnishing this account. Cease communication from me from all mediums including my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. 

I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent in multiple dispute letters to TransUnion because of Fraudulent Hard Inquiries furnished to my consumer report without my knowledge or consent. Ive tried to call multiple times to make my disputes as well as fax. I have yet to get response by mail. Ive been getting the same phone response from the TransUnion telephone operators. They keep telling me to send in the same documents that Ive already sent in multiple times. Also Ive mentioned to the operators that the company is breaking multiple Uniform Commercial Codes but they still choose not to remove the fraudulent hard inquiries or make marks saying that Ive attempted to have these things removed. Under 15 USC 1681 s-2 ( a ) ( 1 ) theyre in violation because I have informed TransUnion multiple times that have reasonable cause to believe that the information on my TransUnion consumer report is inaccurate and no action to remove the inaccurate information has been taken. Under U.S.C 1681 s-2 ( a ) ( 2 ) ( B ) TransUnion is in Violation because they have not been responsible on their duties to correct and update false information furnished on my consumer report. Under 15 U.S.C 1681 s-2 ( a ) ( 3 ) Theyre in violation because they still have yet to provide any notice of my past disputes. Under 15 U.S.C 1681b ( c ) ( A ) TransUnion is in Violation because I ( the consumer ) did not authorize any agencies to provide such reports. Under 15 U.S.C 1681g ( a ) ( 5 ) TransUnion is in Violation because they shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer but they still did and still choose not to remove them even after I informed them.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated.These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting ACT, Public law 91-506, Title VI, Section A-D, please provide the names and business addresses of each individual with whom you verified above, so that i may follow up i've contacted XXXX also they have told me they are not reporting anything under my name and social and i don't owe them and never have I had a loan with XXXX XXXX XXXXXXXX which i have paid in full which shows on my credit report they were then bought out by XXXX i have never taken out a loan or owed them money PLEASE do a proper INVESTIGATION UNDER THE FCRA OR REMOVE ACCOUNTS forward me an updated credit report after you have completed your investigation and corrections. 

your cooperation and prompt attention are greatly appreciated. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: MI

Complaint narrative:
Afni Collections has violated my federally protected rights under the fdcpa. I never received notice to dispute you are now on notice to cease all communication from all mediums including my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #

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 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check in the amount of XXXX into my bank of America account on XX/XX/2022 the bank was made out to me from another Bank of America Customer. Bank of America placed a 11day hold on the Check for no reason. I am a victim of a natural disaster and are in need of those funds and there is no one that can help or explain why this has happened.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: TN

Complaint narrative:
XX/XX/XXXX, I contacted UNIFUND CCR LLC in regards to this inaccurate account on my consumer report. The correspondence received on XX/XX/XXXX did not fulfill any of my prior requests. All I received was an unsigned contract from another company and notified that the collection account had been sold to yet another company, DISTRESSED ASSET PORTFOLIO III , LLC but is still being updated reported from UNIFUND CCR LLC. Your company has failed to provide me with competent evidence to prove that I have a legal obligation to pay the alleged debt to you or any third party. Your company reported derogatory information/account/debt to my consumer reports ( XXXX, XXXX, XXXX, XXXX, XXXX. ). Your company failed to validate debt. Your company does not own alleged debt. Your company is not in possession to collect alleged debt but still reporting to my consumer report and causing me hardship. I am attesting that I have not received any goods or services from them nor do I plan to in the future. I have no verbal or written contract with UNIFUND CCR LLC that states I owe them or agree to pay them any money. I have no knowledge of this company and again I have no desire to do any business with UNIFUND CCR LLC. I am a victim of fraud, and I'm demanding that UNIFUND CCR LLC according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX, etc. ) IMMEDIATELY as I have previously requested, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also upon checking my reports, I've noticed that your company has been doing soft credit pulls of my information, that occurred on XX/XX/XXXX and XX/XX/XXXX, which is another violation of my rights under the FCRA. If your company has sold this alleged debt to another third party, why are you still illegally pulling my information regularly? I never authorized your company to pull my report under any circumstance nor invade my privacy. Lastly, upon checking XXXX XXXX XXXX, your company doesn't have any license that allows you to collect debt in the state of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have made several attempts to remove this XXXX  collections from my credit report, It's not my account, they have sold the file to a third party called I.C.systems.inc that has tried to get me to settle something that doesn't belong to me, the date they reported the account was opened is XX/XX/2021, for a charge of $ XXXX want this removed 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 explanation