vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
I've contacted all three bureaus protesting the inaccurate and wrong information/names/addresses on my credit report. The bureaus has yet to delete the wrong names and addresses, unverifiable information and fraudulent accounts on my report. I demand immediate action to remove any and all fraudulent, unverifiable, inaccurate or wrong information/items 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
Consumer complaint received 2021-03-19 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I've tried to contact the companies and agencies since XXXX. No one seems to be interested in helping me. This situation has put a very negative burden on my life as well as effected me mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
Experian is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a 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 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Facts are I was sold a " CLONE '' XXXX XXXX XXXX XXXX online 3-D website purchase is how your buy their cars. 

I purchased the vehicle on XX/XX/XXXX and it was delivered on XX/XX/XXXX byXXXXflatbed truck. I was informed on delivery I would receive my contract, license plates, and decal stickers delivered via mail. I never received any paperwork for the purchased vehicleXXXXthe dealership sold me a cloned vehicle and the subsidiary company BRIDGECREST sent letter informing they were deleting it from their records and all 3 credit bureaus to delete the account. 

Needless to say, BRIDGECREST continues to send fraudulent presentments in the form of pay coupons to send them money I do not owe. Also, I had to file state attorney general consumer complaints on fraud contract and vehicle purchase I had for 10 months. I received a call from Georgia DMV Fraud Agent informing me I purchased a vehicle on their State thats not registered. 

The companyXXXXcreated two fraud contracts as if I purchased the vehicle from state of Georgia when o purchased vehicle online from the state of Indiana. Fact is FBI has to get involved for fraud and other agencies for Odometor Fraud concerning Vehicle I purchased on XX/XX/XXXX. 

The results are the vehicle is under investigation with Missouri Highway Patrol Fraud Agent, U.S. Department of Transportation Odometor Fraud Agent, and Georgia DMV Fraud agent. I have not heard anything since the vehicle was unlawful reposssed on XX/XX/XXXX. 

I received a call by FBI XXXX XXXX Agent XXXX informing me where to go to pick up my personal property. I have received fraudulent mail that is in violation of FDCPA 1692 ( e ) concerning my consumer rights being harassed about a cloned vehicle thats confirmed I purchased a vehicle that do not belong to me under fraudulent sales contract created byXXXXcompany and BRIDGECREST. 

I have sent certified mail with tracking number. Phone calls made on XX/XX/XXXX, to XXXX XXXX requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) Security Retail Agreements created by XXXX XXXX Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
TransUnion is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a 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 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF THE WEST
State: MA

Complaint narrative:
On XX/XX/XXXX, we closed on a loan of {$75000.00} for a XXXX RV with Bank of the West through their loan department, Essex Credit, a division of XXXX XXXXXXXX. Our loan officer, XXXX XXXX, told us that the loan was being handled by them as well as getting the plates and the registration. Now, over two weeks later, we still do not have the license plates or registration so we can not use the vehicle that we paid for. We have been emailing and getting no answers. We have been calling and getting no return calls. We have been asking how to get the plates and registration, who do we call. Finally, we waited on hold for over 2 1/2 hours to get a person on the phone with Bank of the West, which we finally did today. Only to be told that some of the paperwork is now taking up to 4 months. This was never told to us upfront or we would not have done the loan with Bank of the West. We asked for a supervisor and we were told she was not able to transfer us. We asked for it to be escalated and we were told it could not be because it was not yet considered overdue. We asked for a contact name and number and we were told that could not be given to us. We asked for an email address and we were told that too could not be given to us. We asked to have some way of knowing when this would be done and we were told there was none and nothing we could do.

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 2021-03-19 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: SC

Complaint narrative:
Experian is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a 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 2021-03-19 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: SC

Complaint narrative:
TransUnion is reporting the account with XXXX XXXX  on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a 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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-03-19 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
Equifax is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I've submitted a complaint to the CFPB regarding debt collection and the response that I received from the creditor was unacceptable. They claimed that an attorney office XXXX Defense Lawyers ) reached out to notify them that they were representing me. I have NO IDEA or affiliation with this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  I used the XXXX XXXX XXXX to purchase the cryptocurrency STORJ at a rate of {$94.00} for XXXX STORJ. My buy order has been " pending : :ever since meaning I have not received the STORJ nor have I had my money returned. Typically this process takes a few seconds, yet now it's been over a month. My money is essentially just being held hostaXXXX with no word from Binance.US There is no option to cancel and no way to push the order the order through. In the meantime, the price of XXXX has nearly doubled and I've missed several opportunities to turn a profit while my money has been stuck in limbo. 

In the meantime, XXXX has nearly doubled in value and I'm currently missing out on several opportunities because my money is trapped. 

I filed a support ticket through the platform 's web portal approximately XXXX hours after the issue began and was given the ticket number XXXX. I did not hear anything back from the company. I followed up again on XX/XX/XXXX but still nothing. The issue is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: FL

Complaint narrative:
Hello I provided the company with the information that they asked me for. I mailed it and uploaded it to them. I was informed that it would be removed in 72 hours. It is still showing on my report. I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2019

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 2021-03-19 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: FL

Complaint narrative:
I have sent in the things that I was asked to send in by the credit company. I do not know why the items are still showing on my report. I was informed that they would be removed within 72 hours when I spoke on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are XXXX XXXX and XXXX XXXX to find out more information about these false credit lines and neither company can find me in their system. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company had received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.

Company response to consumer: Closed with explanation