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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.

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 card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been using my XXXX XXXX card for years, because of the high interest rate, I religiously pay off my balance. In XXXX XXXX my wife used the card and there was a balance that I was not aware of, and the payment was due on XX/XX/XXXX. I paid the balance in full on XX/XX/XXXX. They then sent out a late payment notification to the credit agencies, which has severely negatively affected my credit. I was unaware of the late payment report until XXXX of XXXX. I called and discussed the issue, and they credited me the later fee, but my concern was with the credit agency reporting. I asked them to send an update which did not happen. I waited 30 days, heard nothing and then called again today to explicitly ask them to review it and notify the credit agency. Late payments are only supposed to be reported when the payment is over 30 days late, not 7. This was put on my report in error, and my credit/interest rates have suffered significantly over the past 6 months.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
Originally, I financed a XXXX XXXX accent for {$13000.00} in XXXX of XXXX. The company is CNAC/JD Byrider. I was in a bad financial situation and at the time, could afford the car. The car is valued at {$3000.00} per XXXX. I have had numerous harassing calls and emails ( 2-3 ) times each. The company, CNAC, has sent someone out to my house one a week for the last three weeks banging on my door, sitting in the driveway honking for 5 minutes straight. In addition, they call each of my references each day of the week 2-3 times. The staff has been unreasonably disrespectful each time I call. I am paying for some sort of collateral insurance every two weeks with adds an additional {$100.00} to the car payment although I have full coverage insurance on the car, which was submitted to them months ago. I am paying $ 430 monthly, about {$210.00} biweekly, for this car. They've threatened to repossess it numerous times. I will explain a situation and they refuse stating " there is no grace period. '' I changed jobs in XXXX of XXXX and informed the company of my new payment schedule. They never changed it. They attempt taking automated payments out of the account without my consent. Prior to the XXXX  manager switching, I never had this problem. I would call on the due date of the car and make the payment. This company has taken too much money from me and harassed myself and family members. I recently left my place of employment and begun looking for a new job. Still, this company continues to harass every day. They are far more concerned with money rather than the consumer. 

I have paid around {$3500.00} on the car, yet somehow owe {$12000.00}. The interest rate is far too high on the car as well. It is getting to the point i will not be able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: MI

Complaint narrative:
I called told them to stop calling me they have called twice in XXXX day but I deleted it. Again today I have them blocked.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a business account with Truist Bank on a promotion coupon. Because I open the account the bank was supposed to deposit {$300.00} promotional credit into my account. I contacted the branch and spoke with a manger twice and both of them assured me that my account would receive the promotion. It's been over 6 months and I have yet to receive my credit amount and on last week Truist closed my account.

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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIFIRST FINANCIAL, INC.
State: CO

Complaint narrative:
To Whom It Concerns : We have been mortgage customers of AmeriFirst Financial since XXXX. We have always paid on time and the AmeriFirst Financial changed our loan account number on XX/XX/XXXX, but the mortgage loan was still kept under the AmeriFirst Financial name. Now that it is tax time AmeriFirst Financial has only provided us with a 1098 recording our payments, interest, and taxes paid from XXXX through XX/XX/XXXX. We have NO record of payments, interest, and taxes for XXXX through XX/XX/XXXX. I have called various locations of AmeriFirst Financial and emailed 3 times for help and all I get are to call this disconnected phone number XXXX or email this " no longer in use address '' XXXX. It must be illegal to have taken our money and not report it to the Federal government. 

The old loan number was XXXX. The old AmeriFirst Financial address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX IL XXXX. 

On one of my phone calls, the support person even said " If you didn't have online access before, you won't be able to set it up now. '' Then I was put on hold for 30 minutes and no one ever called back.

In addition, I keep every single mortgage statement that comes in the mail the old-fashioned way, and AmeriFirst Financial didn't even send us statements for XXXX XXXX. Now I am worried that 3 months of payments weren't even applied to our mortgage and we have no proof. 

Please help us resolve this issue with AmeriFirst Mortgage. We don't know what else we can do. It's not ethical or legal to not report consumers ' mortgage payments, interest, and taxes paid. 

Respectfully, XXXX XXXX XXXX

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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a complaint against both Macy 's and XXXX XXXX regarding a late payment that has been falsely reported on my credit report. I have been in contact with XXXX 's since XX/XX/2022 to resolve this issue, and have been repeatedly reassured that the late payment would be removed from my report. 

Despite these assurances, the late payment has not been removed from my credit report, and I am extremely concerned about the impact this could have on my credit score and overall financial health. I have made multiple attempts to contact Macy 's to address this issue, but have not received a satisfactory resolution. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that both parties remove the inaccurate late payment from my credit report. 

Thank you for your attention to this matter. I look forward to hearing back from the CFPB regarding the resolution of this issue.

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX  XX/XX/2020 I was unable to open a personal checking account.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/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 A Section 2 : 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