vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — USDA 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: Freedom Mortgage Company
State: MN

Complaint narrative:
I have had a loan modification in XXXX. I unfortunately had to apply for another forbearance due to loosing my job at the end of XXXX. When I called ready to resume payments they told me I have to fill out another application to see what I could qualify for. They stated I do not qualify for any payment plans. I am very capable I spreading out the money I am behind on. I could pay this amount back over 6 months to a year. I have called and tried to work them so many times they have now have a belittling tone when I call. I feel like I am being discriminated against, because I have had to make so many calls to try and get this resolved. I am afraid to call in any more because at this point I feel like they would possibly try to speed up the foreclosure process before I even have a chance to try everything to get it resolved.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a collection that is on my credit report that is not mine and I filed report that it was not my collection. I reached out to collection agency with reports and they deleted the collection and experian has not taken it off my credit report and I sent all documentation to experian and they have yet to remove the collection which is causing harm to My credit score and potential creditors to help me. I have reached out to creditors discount and audit and they removed it and sent documents to experian who have not removed the collection. I have cfpb report showing creditors discount removal of the collection but yet experian has yet to do so and it has been over a month and I filed dispute with experian and they closed my dispute please I need help getting experian to remove this from my credit report thank you.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Car has been paid off from other party XXXX XXXX and also ally gap paid. This was due to other car crashing into my car. Westlake financial has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX TransUnion Have My Address Wrong

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Bridgecrest Acceptance Corporation continues to harass me using profane and obscene language over an alleged debt I do not owe after I sent them a cease and desist letter back in 2022 and they have yet to provide me with all the necessary documentation I requested to verify this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX, I called experian trying to get 1 hard iqury off my credit report.this was my 5-6 attempt the inquiry was dated XX/XX/XXXX  and it was not me who made the Inquiry.so I tried on and calling asking them to remove and I think they removed it but they also punished me by putting up a fraud alert now look at the date its almost 2 years old and after 2 years it comes off your report anyway.the Supervisor I talked to was very rude asking me if it was fraud.i told him I don't know very rude man.if some how you guys can get the fraud alert off my record it would be great.he put it on for 1 year that is crazy

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 2023-11-24 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: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : XXXX. XXXX XXXX XXXX XXXX XXXX CLOSED ) /XXXX  XXXX When looking at TransUnion, this company is not reporting to them any longer. Why is this being reported in XXXX? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX can prove that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that XXXX and TransUnion show how they verified this account. 
Are they verifying this from the guarantor? 
In TransUnion they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of TransUnion? 

There are several inaccuracies compared to the account under TransUnion. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to XXXX. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with TransUnion it is not.

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 2023-11-24 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: NY

Complaint narrative:
I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me. 

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 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
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me. 

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 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
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AG AH LLC
State: AZ

Complaint narrative:
On Tuesday, XX/XX/XXXX, I wanted to remove my extra principal paydown from my automatic loan payment. Their site does not allow any adjustments to the payment and my only option was to cancel the automatic payment altogether and then re-setup it up with the new terms. The site said I had to wait 24-hour to setup up a new automatic payment. The next day, I tried to log on to setup the automatic payment, but their site ( XXXX  ) was down... COMPLETELY unresponsive. I tried again on Thursday, and again today, Friday. Same results. Looking up XXXX on XXXX  confirms that XXXX is down for everyone and has been for several days. People are trying to make their monthly mortgage payment but are unable to. I called ARC Home Loans ( who uses XXXX for the servicing of their conventional mortgages ) today and was told that the XXXX website is down and the representatives are unable to access our account information. I pressed through to a representative anyways and was told the same thing. Concerned that as we approach XX/XX/XXXX, I won't be able to make my mortgage payment because we wer never given payment slips and the representatives won't/ca n't give us any information about paying our mortgage any other way than through XXXX and they have not idea when/if it will ever be up and running again. At my wits end because I just want to pay my mortgage responsibly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  / XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : 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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : 1. XXXX XXXX XXXX XXXX XXXX XXXX ) /XXXX  XXXX When looking at XXXX, this company is not reporting to them any longer. Why is this being reported in Equifax? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX XXXX XXXX that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that Equifax and XXXX show how they verified this account. 
Are they verifying this from the guarantor? 
In XXXX they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of XXXX? 

There are several inaccuracies compared to the account under XXXX. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to Equifax. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with XXXX it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: NJ

Complaint narrative:
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.

Company response to consumer: Closed with explanation