vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion XXXX, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized XXXX proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account XXXX XXXX XXXX XXXXXXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.

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 2023-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian can seem to get my credit score correct even though I have explained and spoken to them numerous times concerning entries that were not listed. 
On XX/XX/XXXX they had my credit score at XXXX and on XX/XX/XXXX they raised it to XXXX or XXXX points. Then on XX/XX/XXXX it dropped to XXXX again. On XX/XX/XXXX they increased it by XXXX points to XXXX. XX/XX/XXXX it dropped again to XXXX. 
There haven't been any changes in any of my credit accounts for several years and I don't have any debt other than monthly bills which I pay before the due date. The other two credit reporting agencies have had my credit score over 800 for many years. 
I have had discussions with Experian numerous times and explained to them. They tell me to see a credit counselor. A credit counselors job is to help those with debt and I have none. 
When I explained this to them they then hid behind and algorithm which they can't explain. Either they have information that they are not sharing with me or they don't know what they are doing. 
Of the three credit reporting agencies they are the only one that is foreign owned. If you go on their website its difficult to get past the things they are trying to sell you in order to get to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Total Auto Finance
State: MD

Complaint narrative:
Dear Total Auto Finance, I am writing to request investigation of the following : Contract # XXXX Dated XX/XX/2020 Dispute XXXX Down Payment Amount {$3500.00} Explanation on dispute : I Been Scammed. A contract for the vehicle stated a down payment amount {$3500.00}. However law states No cash should be exchanged with a successful credit transaction 15 USC 1679a-2 : Consumer Credit Transaction Credit was approved with multiple lenders ( Total Finance and XXXX XXXX XXXX XXXX was charge fraudulent charges and defrauded. 
15 USC 6802b : Obligation Will Respect To Disclose Personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has been sent several proof of validation letters, even certified mailed. Which as a consumer I have the right to get a copy of how an item was verified as accurate on my credit report. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter in 30 days, if proof is not submitted within 30 days the item should be removed. Which I have never received a copy of how this verified, because they are wanting to ignore the laws of The Federal Trade Commission as well. If Equifax has provided proof to me before this complaint please attach a copy of dated prior to this complaint. this company has only sent stall tactic letters stating Verified but no proof attached. 

I am disturbed that you continue to list the Bankruptcy as confirmed. I aware that you receive your information from a third party verification known as PACER. This system is sometimes not accurate because of the limitations of providing a complete Social security number The FCRA mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief " Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemeed non existent, It is only fair that in accordance with with Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting ACt you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response with 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
We ordered windows through window nation sometime early last year. The windows arrived sometime in XXXX months after they were promised to us. We did our financing for 18 months no interest and payments over that time with XXXX XXXX XXXX XXXX out of Florida. XXXX XXXX XXXX was not supposed to pay window nation until all of the work was complete. We still have windows that have not been installed and when XXXX XXXX XXXX asked us whether or not the work was done on 2 separate occasions via email we told them that the blood work was not yet complete and please do not pay when donation they went ahead and paid them anyways now we are still waiting on a window to be installed and repairs to be made yet XXXX XXXX was paid. I have real issue with XXXX XXXX XXXX issuing payment for a job that was not complete especially after we told them on 2 separate occasions that it was not done. Now XXXX XXXX XXXX is coming after me to make sure that my payments are on time when the work is STILL INCOMPLETE!! And surprisingly window nation is not responding to my inquiries.

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 2023-02-20 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:
All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXX ) of verification from the holder regarding a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Credit Karma, LLC
State: PA

Complaint narrative:
I had a credit score of XXXX and I woke up the other day logged into credit karma that Ive had for 4 years and my score was from XXXX to XXXX, its impossible I have no debate no credit cards no loans, and have always worked hard on disputing any hard inquiries. I want to put a lawsuit on this company Im having traiuble and I suspect of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: MD

Complaint narrative:
Remove XXXX XXXX account from my credit report for inaccuracy. the date last active shows XX/XX/XXXX on XXXX XX/XX/XXXX on Experian and XX/XX/XXXX on 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 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Dear Madam/Sir, Back in the Fall of XXXX  my mortgage company, Freedom Mortgage, suddenly increased the amount of money to be paid in monthly installments. Ever since I many times tried to get an explanation as to what exactly caused this raise in my payments. 

This company apparently does not have customer service to speak of, since I never received a satisfactory explanation. Worse, the personnel that is charge of handling issues of this sort - like what they call " escalation team '' are in the habit of simply stopping responding to you when they find your issue is too pesky to address. 

Attached are documents that very clearly outline the problem. 

Thank you! 
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 2023-02-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.

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 2023-02-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: CA

Complaint narrative:
XXXX  is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted EQUIFAX multiple times to report as fraud. I called XXXX and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from XXXX is fraudenlent and should be removed from my EQUIFAX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXXXXXX. There is also no phone number provided. During the dispute process EQUIFAX provided me the phone number for this INQUIRY and I called XXXX and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a XXXX account. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-20 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: NV

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was charged a cash advance fee CASH ADVANCE FEE Account ... XXXX {$10.00} ON STATEMENT AS CASH ADVANCE FEE TRANSACTION DATE Sunday, XX/XX/2023 POST DATE Sunday, XX/XX/2023 PURCHASED BY XXXX XXXX But I received no cash advance.

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 monetary relief
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
i am a consumer by law. i did not submit this in error. I never gave experian my explicit written permission to report 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 2023-02-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX : late payment account XXXX XXXX XXXX XXXX : charge off account XXXX XXXX  XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXXXXXX XXXX account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the XXXX XXXX  XXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease. 
As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
XXXX has tried once before ( back in XXXX ) to get an old and closed debt from me for XXXX. The new one is from XXXX. It could be for old internet this time - but XXXX was all in one. 

Aside from this being a debt from XXXX that nobody has ever called about- it was opened for my Mom, who paid it in store and closed the account. 

They took the box- we have nothing to give them. We don't remember our XXXX account number, what method we used to pay them off - I just want them to stay out of my credit score. If they want a modem, we have a bag full of working modems their techs have left with us- they can have as many as they want if it means they quite trying to squeeze money out of me. 

Again, no form of communication - this is from them or either debt collection company they've used. Nothing written, no attempts to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: GA

Complaint narrative:
In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX. 

XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, XXXX XXXX XXXX alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, XXXX XXXX XXXX failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX fails to validate the specific form of assignment that carries the contractual agreement with it. 

I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that XXXX XXXX XXXX is my creditor or current creditor and dispute that XXXX XXXX XXXX holds enforceable security interest to collect on a debt in their name as my creditor. XXXX XXXX XXXX is not my creditor and should be removed from my credit report as my creditor. 
XXXX XXXX XXXX failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. XXXX XXXX XXXX has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from XXXX XXXX XXXX of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.

Company response to consumer: Closed with explanation