vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Skopos Financial, LLC
State: AL

Complaint narrative:
I have a loan through Springlight Financial and called XX/XX/22 to set up a paymet arrangement for XX/XX/22. I was advised it was outside the parameters for payment arrangements but to call back the next day and it would be within. I called back XX/XX/22 and setup a payment arrangement for XX/XX/22. I was called XX/XX/22 by Springlight Financial and explained I had a payment arrangement on file for XX/XX/22. I was advised by the rep he couldnt honor that and the calls and collection efforts would continue. I explained it was a right party contact and calling me again within 2 business days would be a violation of TCPA regs. He called from a XXXX area code. On XX/XX/22 the very next business day I was called 3 times and on the third call I picked up and it was the same rep from the day before. I advised him his company was breaking right party XXXX violations and asked to speak to a manager. He called from a XXXX area code. Unless he moved in one day that seems like deceptive call practices. I was on hold waiting for a manager for 18 minutes before the call dropped. I was then called by XXXX area code and it was the manager. She was in the same location as the rep but I was called by 3 different area codes. I explained the TCPA violations and the right party issues and the auto dial system should have been pushed since a payment arrangement was on file for XX/XX/22. I do collections compliance and fully understand how autodial systems work. Right party and TCPA laws. Deceptive call tactics like calling from 3 different area codes from the same location. Each violation is {$1000.00} fine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello I have tried Numerous of times to dispute XXXX XXXX XXXX  accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXX state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I have tried Numerous of times to dispute XXXX XXXX XXXX accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX fXXXXXXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being XXXX I have then healed and gotten well and Im just trying to better my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TN

Complaint narrative:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Date of Last Payment This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received a debt collection letter back in XX/XX/XXXX for a bill receive in XX/XX/XXXX for my XXXX ur old daughter. The bill was not submitted to the wrong insurance and was rebilled to the correct insurance. Once the bill was paid I received a copy of it paid in full to the XXXX XXXX XXXX XXXX who submitted it to Wakefield and Associates Debt agency. The bill knocked my credit score down. I recently received a credit report pull showing this same company who reported the Same debt under a different company name XXXX same amount under a different name. I contacted Wakefield about this matter with proof it was paid with a copy of the payoff letter. They agreed to remove this debt and unfortunately the damage is done to my credit again ( XXXX points ) after I have established good credit for XXXX a month from closing on my new home for a second pull for a better rate. Now instead it will show a collection if not remove by XX/XX/XXXX. I have worked hard all year now even they the agreed to remove it my points are gone. And now XXXX cant get them back and all they can say is sorry the credit bureau stated that they may not give me all my points back which is very very unfair because I earned all those points paying my debts a need credits. I am so enrage and very upset my family needs a home I am a single mom with XXXX kids and these sorry people done this without fact checking even if they do remove it I am doomed to start over on points from their mistake which they admitted to being slick trying to collect extra money. I am furious I have worked so hard for them to do this. The company Wakefield and associates tried to change the name of the company to make it look like another company I owe debt to when its the same company different name change which has been satisfied by payment in XXXX and was removed and now this debt appeared again. I am livid over my points and score change for no reasonable cause due to human error. So I want my same amount of points that was taken placed back when the collection said that they promise to remove this and has not been removed at all three credit bureaus. I earned my points fair and square. PLease do something about this fraudulent company reporting. Thanks very upset consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames. 

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MS

Complaint narrative:
This not a error. I'm a consumer by law and my information was misused and now i have false not 100 % accurate accounts on my report. Unauthorized use of my credit report. 



PLEASE SEE ALL ATTACH DOCUMENTS BELOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have concerns about two accounts I noticed on my credit report. 

Account under name XXXX opened XX/XX/XXXX and currently closed as a charged off. I have reached out to the company directly and I was not given any information on how account was opened. It has currently reached over 30 Days into the investigation and I have not received any results from the investigation. Amount reported on account is XXXX. 

Account under name Bank Of America opened XX/XX/XXXX and currently closed as a charge off. It has been over 30 days of being investigated and I have called them directly and I haven't been given any information. I was told they no longer have the account. Amount reported on account is 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 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I, the consumer did not authorize or give any written consent to the said company to furnish anything on my consumer report or to have my private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
Some is using my information to get loans cars and other things Im finding out as I check my credit report Im a single mother trying to get a mom for my kids and this is making it hard for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Southern Auto Finance Co
State: FL

Complaint narrative:
SAFCO is reporting this account inaccurately by stating that it was voluntary repossessed '', SAFCO does not have a signed waiver or any agreement at that that states that I gave them possession of my vehicle that I obtain extending my credit. I am making this complaint to make you all aware that safco and the consumer reporting agencies are causing substantial harm and ruined my reputation due to this inaccuracy of reporting. Pursuant to 15 usc 1681e ( b ) the consumer reporting agencies have a duty to keep my report accurate as they assumed this vital role 15 usc 1681 ( a ) ( 3 ). Safco has knowingly report this false and misleading information because when I have call earlier their excuse to marking it as a voluntary repossession was not authorized by an written and or express agreement to do so. I value my reputation and entrusted SAFCO and the consumer reporting agencies to keep everything accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of via Medical Insurance, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames.

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past 2 years some companies and myself have been unable to access my credit report from Equifax. I have been contacting the company since then XX/XX/XXXX. I sent all requested documents that was needed by the company in order to resolve the issue. 
When I spoke to representative on XX/XX/XXXX I received confirmation that all documents were received and fulfilled what was needed of me to receive the issue. ( Report XXXX ). 

At this point the issue is causing serious harm to me and my family as I can't obtain gas and other necessary services for my primary residence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of XXXX XXXX XXXX, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency XXXX, XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Trident Asset Management, L.L.C.
State: MI

Complaint narrative:
Trident Asset Management at XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$780.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA YOU DEFRAUDED ME YOU GOT PAID MULTIPLE TIMES ON A DEBT YOU CANCELED WITH A 1099 - C. You Mentioned I had to pay to get it removed from my consumer Report, I Made the payments however it was never deleted. You have committed tax Fraud you have this account listed on my consumer report as a canceled debt. I have proof I paid you which I will be submitting to the IRS, CFPB, XXXX, OCC, my state attorney general and also the state general where you are located a copy of this letter and of the payment I made and how I was defrauded by you. 
The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED. THIS ACCOUNT IS REPORTING INACCURATELY AND IT IS NOT XXXX COMPLIANT :

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