vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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 contacted all three credit reporting agencies and advised them the information they have reported is in accurate I wanted to know the offset ledger of the true bill and to see the 1099c of each and every account thats hurting my credit profile. All XXXX  major credit reporting agencies are in violation under the securities exchange act 1934. My debt has been pre paid by the United States of America inc. Collateral with my social security bond.they also violated provisions article XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im the GRANTOR of my TRUE ESTATE a secure party creditor im set free and clear of all liens debts tithes held under the color of law all other encumbrances established by the United States of America inc., they also violated foreign sovereign immunities act section 1605 and 1607 Im owed and entitled to exemptions treaties bonds insurances and guarantees including indemnity and full faith and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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 contacted all three credit reporting agencies and advised them the information they have reported is in accurate I wanted to know the offset ledger of the true bill and to see the 1099c of each and every account thats hurting my credit profile. All three major credit reporting agencies are in violation under the securities exchange act 1934. My debt has been pre paid by the United States of America inc. Collateral with my social security bond.they also violated provisions articlXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im the GRANTOR of my TRUE ESTATE a secure party creditor im set free and clear of all liens debts tithes held under the color of law all other encumbrances established by the United States of America inc., they also violated fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im owed and entitled to exemptions treaties bonds insurances and guarantees including indemnity and full faith and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: KS

Complaint narrative:
Hello, I like so many others lost my job XX/XX/XXXX. I quickly found a part time gig which lasted until XXXX of XXXX. During this time I went through and meticulously read my promissory note, mortgage, warranty deed and title paperwork. In XXXX of XXXX I was diagnosed with XXXX XXXX. 

I reached out to my mortgage servicer, New American Funding. They were very understanding, helpful and allowed for me to use all of the available XXXX forbearance via compliance with XXXX XXXX. 

Due to ongoing medical issues I was then offered regular forbearance which I gratefully took advantage of. XXXX told me about the program, XX/XX/XXXX XXXXXX/XX/XXXXXXXX. I was approved and XXXX received close to {$36000.00} from XXXX. 

I started inquiring and requesting documents from XXXX regarding the following : - why is my name written in all caps and to please change to upper/lower in both my note and mortgage. No response- why are they saying they own my loan when the XXXX XXXX website states it owns my loan once necessary information is given. They said XXXX XXXX was the investor. 

- if In return for a loan I received, I promise to pay.. proof that they loaned me money. Specifically I asked for a copy of the cashiers check they gave me or a copy of the check they gave me or the trace ID number if a wire transfer was sent to me or the routing number if an ACH deposit was made. No response. 

I requested the last bullet point on XX/XX/XXXX of this year and it is now XX/XX/XXXX and still no phone call or correspondence from them other than the automatic reply confirming my email regarding this topic was received. 

I am going to send them a debt verification letter as soon as I finish this complaint. 

Financial transactions have receipts and I am asking for your help in obtaining this information from XXXX since they refuse to respond to me. 

Thank you in advance for reading this and promptly contacting NAF to provide the information that I am the real debtor. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in 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 non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXXXXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted all XXXX  credit reporting agencies and advised them the information they have reported is in accurate I wanted to know the offset ledger of the true bill and to see the 1099c of each and every account thats hurting my credit profile. All three major credit reporting agencies are in violation under the securities exchange act 1934. My debt has been pre paid by the United States of America inc. Collateral with my social security bond.they also violated provisions article XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im the GRANTOR of my TRUE ESTATE a secure party creditor im set free and clear of all liens debts tithes held under the color of law all other encumbrances established by the United States of America inc., they also violated foreign sovereign immunities act section 1605 and 1607 Im owed and entitled to exemptions treaties bonds insurances and guarantees including indemnity and full faith and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: IA

Complaint narrative:
Unsure of what debt this is, but they are called Qualia Collection Services. They call me more than 7 times in a XXXX  day period. They called Monday XX/XX/XXXX at XXXX XXXX. They called Tuesday XX/XX/XXXX at XXXXXXXX XXXX and XXXXXXXX XXXX. They called Wednesday XX/XX/XXXX at XXXXXXXX XXXX, Thursday XX/XX/XXXX at XXXXXXXX XXXX, Friday XX/XX/XXXX at XXXXXXXX XXXX and XXXXXXXX XXXX. They called Saturday XX/XX/XXXX at XXXXXXXX XXXX. So in total they called me XXXX times in just XXXX days. This is just from this past week, it happens every single week they call me more than 7 times in a total week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX bal. {$2100.00} Sunrise Credit Services XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX. {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : LVNV Funding LLC bal. {$2100.00} XXXX XXXX XXXX XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX. {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
Made several requests in the past asking to lower my monthly payment with XXXX low interest rate to have a reasonable and affordable monthly payment, because Sallie Mae issued several accounts with different interest rate. This is my XXXX or XXXX complaints about the Bank dismissing and ignoring my situation especially in my last complaint where I clearly stated that I am caring for my aging parents with severe health conditions. Il seems like all what matter for the corporations is money and wealth and have low to zero consideration for human factor and dignity. Their treatment to my case is a clear and obvious behavior of selfishness and arrogance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
After looking through my consumer report I noticed that Sequium Asset Solutions is unlawfully reporting nonpublic personal information on my consumer report. I never was given the opportunity to dispute the debt within the XXXX  days period as outlined in 12CFR1006.34 ( c ) ( 4 ) ( i ). I was not informed of my rights to dispute the validy of this debt which is a direct infringement of my consumer rights. Me checking my report is the first time me finding out this information. Furthermore pursuant to the Fair Credit Reporting Act, 15 Usc 1681b which outlines permissible purpose in obtaining a consumer report, Sequium Asset Solutions did not obtain my written consent to furnish any nonpublic personal information on my consumer report. This also violates the Privacy Act of 1974 which mandates the protection of individuals personal information held by federal agencies and certain organizations. By unlawfully reporting nonpublic information without my consent Sequium Asset Solutions has infringed my privacy rights. In the report it states that I allegedly owe {$170.00} to Sequium Asset Solutions but I never done business nor have a contract with them to owe them any debt. I request documents below that will prove that I owe this alleged debt to Sequium Asset Solutions and I'm also requesting the purchase agreement between sequium Asset Solutions and the original creditor. The following documents I request that will prove that I owe this alleged debt are 1. Forward flow Agreement 2.Audit Trial 3.Chain of Custody 4.Chain of title 5. Account ledger 6.Affidavit of debt 7.Affidavit of Custody 8.Orginal fue holder en course of this debt. 
I'm also ceasing to communicate with me via email text and calls all communication must be held with CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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:
These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX  {$390.00} XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX {$890.00} XXXX XXXX {$880.00} XXXX XXXX {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN XXXX XXXX anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN XXXX XXXX anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX bal. {$2100.00} XXXX XXXX XXXX XXXX XXXX. {$1600.00} True Accord Corporation bal. {$420.00}

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