vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: NY

Complaint narrative:
I took time out to write a letter to Experian, XXXX, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I ran my annual credit report via XXXX and noticed a collection account on my report. It shows the account was opened with a debt collection company " I C System INC '' on XX/XX/2022, and the balance is {$100.00}. 
I already called XXXX to report this issue and notified XXXX there was some incorrect personal information on my report as well, including names, addresses, employer 's information, and social security number variation. Besides that, I already called I C System INC to find out if they have any related records, but they couldn't find anything unless I can get provide them with the full account number or reference number. I noticed the original creditor of the debt was XXXX XXXX, but I never open any account under this company. For now, this is all I have done related to my fraud.

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 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX TransUnion has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.

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 2023-01-09 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: NJ

Complaint narrative:
Someone opened a XXXX account in my name & I have been trying to get the XXXX XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MI

Complaint narrative:
ACCOUNT WAS NEVER AND CLOSED IN 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 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them XXXX letters already and no response over 90 days now and attached is my proof. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX and XXXX XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
I was being harassed being sent an email about the alleged debt three times a week. A Cease and Desist was sent to CKS Prime Investments by email on XX/XX/2022 and a copy was sent through mail as well. I have received no further email or any response to my cease-and-desist letter from this company. I received an investigation result from XXXX dated XX/XX/2022 stating that the alleged account reported by CKS Prime Investments to be verified and accurate. This is a violation of FDCPA. Per 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
CKS Prime Investments had continued communication indirectly by reporting this alleged debt to the credit reporting agency XXXX. An investigation was done by XXXX and CKS Prime Investments violated my Cease-and-desist order by communicating through the credit reporting agency.

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 2023-01-09 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Hello I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a XXXX late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my XXXX XXXX. I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for XXXX car payments The email dated XXXX XXXX XXXX cleary asked for XXXX payment to be made before XXXX XXXX XXXX to avoid a XXXX late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with Bridgecrest. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no XXXX late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against Bridgecrest if this is not corrected with all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 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: PA

Complaint narrative:
I was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally ontop of things like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax first letter was sent and received. XXXX XXXX number XXXX XXXX XXXX XXXX XXXX I received a response asking for valid form of ID ( which I included in the first letter - photo ID LEGIBLE and a utility bill for proof of address ). That second letter was sent and received and I still have not heard anything back. 

XXXX XXXX number XXXX XXXX XXXX XXXX XXXX At this point, my rights as a consumer to fair and accurate credit reporting is being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: AL

Complaint narrative:
Equifax is reporting the following student loan accounts on my credit report as both open and closed accounts. Account Name : XXXX XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account numbers are the same. How can the same accounts be open and closed? This is an obvious inacuracy. Law states that everything reported has to be XXXX XXXX accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX I took advantage of the Cares Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX and my hours were reduced since I purchased this home. Truist Bank Mortgage department approved a modification agreement in XXXXXXXX XXXX XXXXXXXX. 

I signed, notarized, and returned the modification agreement Truist mailed ( XXXX  ) me in the same XXXX  package they provided. 

i began making the agreed upon modification payment XX/XX/XXXX. In XX/XX/XXXX, Truist sent me a letter that my medication agreement was null and void because they did not receive the modification agreement in XX/XX/XXXX. 

I faxed Truist the copy of the notarized modification agreement in XX/XX/XXXX. 
They denied my modification agreement despite me proving that I signed and sent back. 

Truist is trying to foreclose on my home and will not accept my payments. 

I do not want to lose my home. 

i am a single mother and I did sign and return a notarized modification agreement that Truist offered in XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION AND XXXX FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.

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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I received an alert of debt collection on my credit by XXXX. XXXX XXXX is Credit Systems International with the amount of {$890.00} the person who stole my identity had my social security number and date of birth and they opened a utility service with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello! 
I had my Chace Freedom Card was more charging, unauthorized {$230.00} amount. 
From XXXX XXXX XXXX on XX/XX/2022 year .I disputed with representative many times with not success to avoid this money. 
I add all the information about my Complaint. 
Sincerity, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received. 
XXXX XXXX number XXXX XXXX XXXX XXXX XXXX They validated this inquiry and I sent a letter asking for proof of validation on XX/XX/XXXX and have not at all heard anything back. 

At this point, my rights as a consumer to fair and accurate credit reporting is being violated.

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 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Their are fraudulent Inquiries on my credit profile that I did not do. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief