vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name 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 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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My father prior to his death in XXXX had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXXcredit Information missing from credit report. To remove all hard inquiries with three credit bureaus as deceptive and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant credit Information missing from credit report. To remove all hard inquiries with three credit bureaus as deceptive and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
XXXX XXXX  ACCOUNT IS IDENTITY THEFT AND REPORTING FRAUD ON MY CONSUMER 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 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
i was working with the realtor to complete a short sale had a commitment from the buyer also due to the fluctuation in the interest rates the borrower and there lender was finalizing the deal my bank along with the lawyers went ahead and went into court got a sale date and said to the agent only way they would stop it is if the deal would include and additional XXXX within XXXX hours. i went to court the judge signed a XXXX XXXX XXXX i wanted to go in front of the judge at time of hearing to explain the case i wasnt told when the hearing was held the judge dimiss the complaint. now they are acting as if they entertaining the buyer as in bad faith telling us they have to get the final approval for short sale mean while have a sale date again for XX/XX/XXXX XXXX pending and holding XXXX XXXX. i worked out a modification with them in XXXX when i was giving no choice but to give them XXXX which i did and inturn i got and unfavorable situation with adjustable rate and high payment. recently i went to the court and looking into the file i notice that they also made false claims that in XXXX that i wasnt eligble for a settlement confrence because my property wasnt owner occupied which is false they knew that i did live there infact i have lived at that same residence since i obtained the property. they aslo mark me as a no show for the confrence which i had no idea was even taking place in a afidavit of service they went to my mothers address which is XXXX XXXX XXXX XXXX XXXX they stated that they served my cousin XXXX XXXX i just learned of this just a week ago looking in the files at the court we dont have anyone ever in the history of my family name XXXX XXXX XXXX i had a attorney handling the case during the XXXX his name was XXXX XXXX he passed away so alot of the documents was with him so its taking a little time for me to gather everything to show you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
XXXX will not remove credit history. XXXX XXXX was transfered to XXXX and then later erased and closed through borrowers defense program. Although XXXX information is removed from credit report, XXXX will not remove theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX, I have created the compliant XXXX XXXX XXXX XXXX with CFPB. This case is closed by US bank and the CFPB. Unfortunately, the issue NOT resolved. 

The issue was paying my property tax payment. US bank closed the case stating the property tax had been paid. Unfortunately, The taxes have NOT been paid by the US bank so far. 

The amount is taken from the XXXX account of {$14000.00} on XXXX. As of today it XXXX days over. The amount is not returned to me or payment is not received by XXXX. 

I closed the XXXX account on XXXX XXXX. 

I will pay property tax myself. I need US bank to return the {$14000.00} to me. 

Also, I need compensation for my efforts with US bank for the past XXXX days. During this time, I have called US bank XXXX times to resolve the issue. 

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, Equifax won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, XXXX won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Complaint Regarding Unfair Treatment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLC XXXX XXXX XXXX XXXX. 



To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX and EXETER FINANCE LLC ; XXXX, XXXX regarding their unfair treatment and unjust demands regarding my recent vehicle purchase. My name is [ Your Name ], and I reside in the state of XXXX. The details of my complaint are as follows : I purchased a " good '' vehicle from XXXX XXXX on XXXX XXXX and the financing was arranged through Exeter Finance LLC. The contract was executed, and the three-day cooling-off period has passed. 

Recently, XXXX XXXX contacted me and demanded that I return the " good '' vehicle or pay the full amount due, alleging that I have defaulted on the purchase documents. However, I have diligently adhered to the terms of the contract and have not committed any violations. Additionally, I am concerned about potential breaches of representation and warranties outlined in my contract with XXXX XXXX. Specifically, I provided a down payment at the time of purchase, which, to the best of my understanding, should have satisfied my contractual obligations. However, XXXX XXXX is now alleging default without providing adequate justification or evidence of breach on my part. 

As a consumer in the state of Florida, I am aware of my rights under the Uniform Commercial Code ( UCC ) and relevant state statutes. Specifically, XXXX Article XXXX governs the sale of goods, including vehicles, while XXXX Article XXXX addresses secured transactions and repossession procedures. I believe that XXXX XXXX 's actions may be in violation of the provisions outlined in these articles, particularly regarding warranties, remedies for breach of contract, and repossession procedures. 


I respectfully request that the CFPB investigate this matter and intervene on my behalf to halt any repossession efforts by XXXX XXXX and Exeter Finance. Additionally, I seek a resolution that is fair and just, without further consequences to my financial well-being. 

Attached to this letter are copies of relevant documents, including the purchase contract, communications with XXXX XXXX, and proof of payments made. I urge the CFPB to review these materials as part of their investigation. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt action to address my concerns and ensure that consumer rights are protected. Please feel free to contact me if further information is required. 

Sincerely, XXXX XXXX XXXX XX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
Received XXXX  letter for sale of my home XXXX XXXX. Trustmark Bank received funds XXXX XXXX XXXX XXXX to reinstate my mortgage loan on my house XX/XX/XXXX. XXXX sent Trustmark saying I was approved for XXXX trial period plan XXXX XXXX. XXXX payment XX/XX/XXXX was told to by Trustmark customer service make XXXX trial payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX trial payment for XXXX XXXX, XXXX. Trustmark Bank XXXX did not accept my payment she said her computer showed payment to be {$1500.00} she was rude wanted to argue about payment amount. She told me the computer show mortgage payment was different amount. XXXX Trustmark Bank with Trustmark letter showing trial amount was {$1400.00} XX/XX/XXXX, made payment. Trustmark Bank was contacted to let them know the Trustmark teller would not accept payment. Trustmark changed the trial payment agreement. XXXX dated XXXX XXXX, XXXX, said XX/XX/XXXX, payment was received, and Trustmark was offering extension until XX/XX/XXXX for XXXX trial payment XXXX trial payment due XXXX XXXX, XXXX. Received Trustmark Letter date XXXX XXXX, XXXX saying Trustmark requested XXXX XXXX XXXX proceed with XXXX of my home Breach Letter. Request for mortgage assistance with financials was sent to Trustmark XX/XX/XXXX. Trustmark is not keeping their agreements that they have explained in their letters to me. XXXX XXXX sent for XXXX after Trustmark sent letter saying they would work with me on the trial payments. I feel I am being discriminated against because of being a XXXX man not treated fairly. Resubmitted mortgage assistance application XX/XX/XXXX and XXXX XXXX. XXXX XXXX XXXX Trustmark Bank previously involved in a class action settlement agreement with The XXXX XXXX XXXX XXXX XXXX for their discriminatory lending practices against people of XXXX. I do not want to lose my home to XXXX Trustmark Bank has violated privacy act as well letter sent to me included my entire social security number which is my personal confidential 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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section XXXX A states I have a right to privacy. 
15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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