vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: CA

Complaint narrative:
I have an existing open mortgage in Good Standing with XXXX / XXXX XXXX XXXX. XXXX / XXXX XXXX  XXXX is not reporting my mortgage information to TransUnion or XXXX credit reporting agencies. 

I have been trying for over 1 year to get them to report it. TransUnion and XXXX both say they are not getting my mortgage information from XXXX / XXXX XXXX. The problem is impacting my credit score at both TransUnion and XXXX because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 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 2023-07-24 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: CA

Complaint narrative:
I have an existing open mortgage in Good Standing with XXXX / XXXX XXXX XXXX. XXXX / XXXX XXXX XXXX is not reporting my mortgage information to XXXX or Equifax credit reporting agencies. 

I have been trying for over 1 year to get them to report it. XXXX and Equifax both say they are not getting my mortgage information from XXXX / XXXX XXXX. The problem is impacting my credit score at both XXXX and Equifax because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCT # XXXX BALANCE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCT # XXXX BALANCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This issue is with Wells Fargo..our car got repossessed and we had 21 days to pay the payment they wanted to get it reinstated well we paid it in the 21st day which is today the Monday XX/XX/XXXX. They said on phone it had been moved to an auction house XXXX hrs away from where it was supposed to be stored. Now they are telling us it's gon na take 10 days before car can be relocated back for us to pick up. They didn't give us any notification that they were moving it or give us any chance it time to pick up our personal belongings out if it ... which by law I believe they are supposed to do within three days after picking it up. So also now I spoke with bank on phone and they still say it's gon na take XXXX days to retrieve the car or I can make appt with auction place to pick it up myself. Well I obviously dont have a vehicle to pick it up right?! And they are also saying another payment is due at end of XXXX well I don't even have my car in my possession due to them sending it off before grace period was up o feel as if I don't have to pay that said payment because car will not be in my possession on says dates payment us owed. What can I do? Plz help I feel like I'm getting worked over here by this bank.

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 2023-07-24 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: MS

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-07-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried disputing the XXXX XXXX XXXX collection on my Experian report. The company has neglected to provide the information to support the verification that this account belongs to me. I am a victim of identity fraud and Ive submitted the proper documentation to support that. XXXX has yet to provide the documents to me that they are using to verify that this account is mines. I have not signed a written contract nor have I entered into an agreement with them. Please remove this collection from my report. 

Thank you, 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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TX

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

XXXX XXXXXXXX  : Account # XXXX has violated my rights. 

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. 

This inaccuracy is stopping me from wanting to get a new home for my family.

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was sued and currently have a garnishment of XXXX  % of my wages being taken from a supposed account opened in XXXX. An attempt to collect is from XXXX I am not paying for when the statute of limitations in the state of Florida is 5 years. This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
I applied for two installment loans through Cherry Technologies for XXXXXXXX XXXX XXXX  and XXXX XXXX with XXXX XXXX XXXX. Cherry XXXX paid XXXX XXXX XXXX  the full amount of the loans up front. XXXX XXXX XXXX breached the contract and created a hostile environment for me to return to. There can be no expectation of a standard of care. I notified Cherry Technologies in writing and by phone several times to get a refund of the unpaid loan balances from XXXX XXXX XXXX  who has ignored all communication from me and the XXXX  to resolve the matter. They claim to have a no refund policy but refuse to provide documentation to support that. Cherry Technologies contacted XXXX XXXX XXXX  who offered gift cards as a solution. Cherry Technologies has been been provided documentation to show the breach of contract as well as my concern for my safety and is not resolving that matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My school loans are reporting 90 days late in XXXX from each Credit agency. How can they be 90 days late in XXXX when XXXX and XXXX are reporting XXXX and paid on time. Please Delete the inaccuracies accounting to the fair credit act. 

Accounting to the U.S Government, the school loans have been on pause through XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: AL

Complaint narrative:
My school loans are reporting 90 days late in XXXX from each Credit agency. How can they be 90 days late in XXXX when XXXX and XXXX are reporting OK and paid on time. Please Delete the inaccuracies accounting to the fair credit act. 

Accounting to the U.S Government, the school loans have been on pause through XX/XX/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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Initially, I received notification on my consumer report under XXXX XXXX about XXXX, I wrote to them request a detailed debt validation request via certified mail dated XX/XX/23. I received a generic debt collection letter from I XXXX Systems Collections as a follow-up. 

I wrote again to I C System on XX/XX/23 and XX/XX/23 via certified mail and repeatedly received the same generic attempt to collect a debt, disregarding my request for specific documents for verification. That alone is a violation under FCRA. 

I wrote directly to the credit bureaus to request an investigation and it is simply being auto verified by just simply being on my credit report. 

I will provide copies of letters sent asking for a cease & desist until a proper investigation & render of documentation has been provided for this alleged debt. 

This reporting has damaged my credit report & caused a lot of losses for my family & I, by its presence on my profile. 

Please supply requested documents on the letter dated XX/XX/23 to validate this debt. Additionally, while this account is being investigated, I request a cease and desist of this reporting. 

Should this information not be available, I request immediate deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. Balance is over double original balance with no validation or explanation. Account has went from open to closed to collections and back to open several times within the last 5 years on my credit report. I have never owned the car they state I financed nor do I have any information regarding vehicle.

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 2023-07-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am trying to purchase a home before doing so I reviewed my account and notice fraudulent activity reflecting on my account. 

Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX There are over 30 addresses that I never lived at the only address that should be reporting should be XXXX XXXX XXXX, XXXX, Va XXXX Phone numbers : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of names : XXXX XXXX XXXX XXXX XXXX accounts Removal of XXXX XXXX account Open date : XX/XX/XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open date 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 2023-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted CIT Bank customer service inquiring about the suspension of my account which prevented me from accessing- including making withdrawals - from my Savings account. At this point, access to the account had been frozen for at least a week, since around XX/XX/XXXX and all transfers I've made out of CIT bank had been reversed. For example, I used the funds from a withdrawal ( {$10000.00} on around XX/XX/XXXX ) to purchase an investment product, but on XX/XX/XXXX my brokerage was forced to sell this product because they informed me that CIT had reversed my funds transfer.

Upon calling CIT on the same day, I was informed that my account is restricted and under investigation, and the agent gave me an indefinite timeline during which I won't be able to access any of my funds at CIT. I was told that CIT would reach out to me at their leisure, and during this indefinite timeline, my funds would effectively be frozen. It has been a week since my account was frozen yet CIT has never reached out. I gave them a week which is a reasonable amount of time to sort it out or at least reach out to me, yet it took me proactively inquiring about the account suspension for CIT to tell me that I won't be able to access my funds for another indefinite amount of time. 

During this freeze period, the impact on my personal finance will be severe as the majority of my savings is now under CIT. Nearing the end of the month, I will not be able to fulfill my debt and rental obligations without my funds that are currently frozen without an end date provided by CIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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:
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 : XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX Account XXXX XXXXXXXX XXXX Account Name : XXXX Account # XXXX 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 an 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 2023-07-24 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/XXXX for the removal of a fraudulent inquiry ( XXXX  XXXX XX/XX/XXXX ) but it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns and have it removed on my credit report immediately

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 2023-07-24 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: VA

Complaint narrative:
I am trying to purchase a home and I notice fraudulent activity on my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX  Open date XX/XX/XXXX XXXX XXXX open XXXX XXXX XXXX XXXX open date XX/XX/XXXX Addresses 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