vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had contacted TransUnion, XXXX and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to TransUnion, XXXX andXX/XX/XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had contacted XXXX, Equifax and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, Equifax and XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account XXXX Account name : XXXXXXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc. If Transworld Systems, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
I requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : Equifax, XXXX And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this 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 2023-02-16 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: First Bancorp North Carolina
State: NC

Complaint narrative:
I am filing this complaint because I'm going through a really stressful time due to First XXXX Bank. I had a dispute with the bank and their agreement said all disputes need to be handled through arbitration and now theyve failed to respond to arbitration and not only are the in Breach of contract but it seems the arbitration court says they will not be hearing any case for first bank which indicates that the bank is in breach of contract with each and every customer they have. Now Im unable to get approved for a home loan or refinance my home, this has caused me to lose thousands of dollars and real estate opportunities. I have had to suffer tremendous XXXX and loss of sleep. I've suffered huge emotional stress. I don't have any credit freedom due to this issue. Ive been unable to sleep, lost appetite as a result of my financial ability being destroyed by First Bank negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My husband had an auto loan through Axos bank. He passed away XXXX XXXX, XXXX. The loan is in his name and the bank hold the title. I contacted them on XXXX XXXX, XXXX to get the loan pay of and to have it transferred into my name so that I can sell it because I can't afford the payment. Here are the emails : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX to portfoliomanagement My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX  to me Good morning, Unfortunately, since you are not on this loan you would either have to pay this loan off with us or refinance and get it under your name. 

XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband, XXXX XXXX XXXX is deceased. I want to pay off the loan # XXXX and have the title transferred into my name, XXXX XXXX XXXX Attached is the death certificate. 
XXXX XXXX Since I didn't get a response I drove to their branch in XXXX XXXXXXXX and only got to speak with a receptionist who made a copy of my driver 's licence and the death certificate and said someone would contact me in a couple of days. They didn't. I called XXXX XXXX and was told someone would call me back that day. They didn't. I called XX/XX/XXXX and was told someone would get back to me that day. They didn't. I called XXXX XXXX and was told the case # is XXXX and someone would call be back. They still haven't and I don't believe anoyone is going to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital systems LLC opened and put a report on my credit report called XXXX XXXX. I have never heard of it and also put a open date of XX/XX/2022. I believe this is fraudulent activity and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
XXXXXXXX XXXX ( XX/XX/2022 ) This inquiry should have been removed a couple months ago. It is unauthorized and does not belong on my credit file. 

I have previously tried to contact the EQUIFAX credit bureau about this issue previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
on or about XXXX. XXXX 2023 I disputed my credit report with XXXX XXXX XXXX XXXX about inaccurate information on my credit report .It was reported that I was 60 days late an 30 days late with my payments, after a investigation by XXXX XXXX XXXX XXXX said the late payments ave valid. XX/XX/ 2023 I talked to the creditor and verified my payments with my bank statements. They updated my report with more late days.i enclosed my bank statements .my mortgage is due on the XXXX of every month, I was never 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : N/A Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16 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: GA

Complaint narrative:
I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Experian XXXX companies ( misleading information in my credit reports things that should not be on my credit report are still on them I filed bankruptcy in 2009 most of the items on my report should have been removed as well as hard inquiries ) I'm not able to move forward with negative items remaining on my reports they need to all 3 have the same information on them and they don't my credit would start moving in the right direction if most of the items on all 3 of my reports were removed there not keeping accurate information on people please investigate.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am being charged fees for things i have no reason of being charged with that caused my credit score to drop to a real low rate

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have XXXX have always had XXXX ( Government Insurance XXXX and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
XXXX XXXX, 2022 I called Bridgecrest to inform them that I had an emergency and would not be able to make the payment for that month. I asked if the payment could be applied to the end of the loan. I was informed that I'd need to cancel my auto pay and allow myself to become " past due '' and to call back. I called back after allowing my payment due date to pass, and was told there was nothing they'd do other than note the account and that I needed to make the next payment. My pay day came around, and I made the payment on XX/XX/XXXX however, it still will have me one month behind. I call again and ask if the payment can be deferred. I'm then told that extensions are approved on a case by case basis, and that I should not have made my payment. I was then told to yet again, call back later this month and ask again. I mentioned I'd complain to the CFPB because there has to be another remedy other than having the customer call each month. They then tell me they can offer a payment plan that would not get me caught up until XXXX, and would still accrue interest. I was transferred to a manager that reiterated that the only thing I could do was continue to call each month and ask, and it is up to them to decide if they will allow it.

Company response to consumer: Closed with explanation