vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After I disputed 3 accounts and 12 Hard inquires earlier in the year around XXXX or XXXX and provided and identity theft report On my consumer report because I the Original creditor and consumer never authorize nor did I give consent to Nor did I benefit from or give Any written instructions to furnish such consumer reports upon my consumer report which they are required to have and furnish such reports pursuant to 15 USC 1681b ( a ) ( 2 ). On XX/XX/2021 I requested a copy of my credit file after disputing them. On XX/XX/2021 Transunion issued a copy of my credit file After reviewing it the accounts and inquires were gone and deleted. Which is admission to TransUnions mismanagement that the processing of my credit file has not been in accordance with all applicable laws such as a accuracy and fairness to me a consumer which is requested by congress to do so pursuant to 15 usc 1681 ( a ) ( b ). Further more on today XX/XX/2021 I sent Transunion a ( 3 ) page affidavit letting them know that they are civilly liable for such violations of federal law pursuant to 15 usc 1681n ; I put them on notice that a credit score is also a consumer report made pursuant to 15 usc 1681 ( a ) ( 4 ) ; I never gave them any written instructions to furnish such report and that is needed pursuant to 15 usc 1681b ( a ) ( 2 ) ; and such consumer report ( Credit score ) that they have furnished in my name without my authorization and written instruction is another form of identity theft and unauthorized use for I do not benefit from the score in no way and such score is hindering me from obtaining my own credit making the consumer report that Transunion furnished on its on operating under color of law is a defamation of my character for I am always the original creditor and I alone grant and extend my consumer credit by my way, and right of my signature pursuant to 15 usc 1602 ( f ) ; 15 usc 1602 ( g ) ; And for such consumer report ( credit score ) that Transunion has furnished in my name without my consent hindering me from obtaining my own credit they are not just in violation and civilly liable pursuant to 15 usc 1681n but also criminally and civilly liable pursuant to 15 usc 1 restraint of commerce and trade. I the original creditor and consumer invoked specified remedies as creditor and I have demanded the following ( see in my what would be a fair resolution to the 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 explanation
Consumer complaint received 2021-09-08 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: WA

Complaint narrative:
I contacted Trans Union via phone XXXX and chose to hold my place in line due to long hold times. I received a call back in less than 5 minutes and since caller ID on my phone is sometimes not helpful I answered the call and the representative asked how she could help and I explained I needed to temporarily unfreeze my credit for my credit to be ran by my credit union. She asked for my name, phone, and SSN, which I stupidly gave her. I think asked why her number showed up as " XXXX ''? She said she didn't know and I hung up. But she already had my information. The number she called from was 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 2021-09-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/2021, I disputed the accuracy all details of a Bankruptcy showing on my credit report with Experian. On or about XX/XX/2021, Experian responded to my investigation request, stating that the details of the Bankruptcy were verified. According to the Fair Credit Reporting Act, it is Federal law that the verification be made directly with the creditors/courts, not a 3rd party service. I reached out to the court to ask if they share information directly to Experian or any credit bureaus, to which their written response was that they absolutely do not. 

By law, according to the FCRA, if Experian does not provide evidence that they verified the details of this bankruptcy with the court itself, it must be removed. 

I am attaching a copy of my letter to the court and the court 's written response.

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 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Month of XXXX Transfer Fee 's and the Month of XXXX Transfer Fee 's. 

What is difficult and missing here is the cycle dates of the bill cycle in the presentation of the application that is on your cell phone. People are not aware how many transfers they have accrued nor does it show how many days left in the bill cycle. This makes it difficult to manage your savings account budge for transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MS

Complaint narrative:
Collection agency [? ] XXXX XXXX Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I have received a letter from Lexington Law ( Please see attached ) that I reached out to their company requesting their help on XX/XX/21. I never reached out for their help. 

Ironically, on XX/XX/21 I had another identity Fraud Case with XXXX XXXX occurred to me. Their was another party that tried to gain a personal loan for a XXXX subscription and it was denied because the could not confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, XXXX says i have a late fee on my account i have called up the company and they said there is and will be no late fee 's on my account. That would be removed from all credit agencies but never was.

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 2021-09-08 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: NC

Complaint narrative:
Unauthorized inquiries appeared from my credit report without my knowledge and from unknown banks or financial institutions.

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 2021-09-08 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: Convergent Resources, Inc.
State: MS

Complaint narrative:
Collection agency [? ] Convergent Outsourcing Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections

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 2021-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( XXXX XXXX ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. Equifax has not updated my credit report in three months. Equifax is in voliation of FTC laws governing my credit file. Equifax has not provided documention for any of my recent disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position ( WELLS FARGO CARD SER Opened : XX/XX/2016 ) ; that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief
Consumer complaint received 2021-09-08 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: TN

Complaint narrative:
I am submitting this complaint because this company is reporting outdated, inaccurate, unfair information on my credit report. I have disputed this account on multiple occasions an nothing was never sent to me to verify or validate this debt. I 1st disputed this account back on XX/XX/XXXX.Then after no response I disputed it again on XX/XX/XXXX.Its now XX/XX/XXXX and I still haven't received sufficient verification on this XXXX XXXX account they are reporting. I also have proof that the other 2 main credit bureaus have removed this account because it was reporting incorrect on my credit profile. Why is Transunion still reporting this information? According to the FCRA all accounts reporting on my credit report should be accurate and verifiable.

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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Greeting XX/XX/2021 We called XXXX AND XXXX XXXX XXXX XXXX, to find out about an engine. The price was {$3400.00}, {$500.00} for deposit, plus an additional {$75.00} for the core deliver date was XX/XX/202. 

XX/XX/2021 not delivery XX/XX/XXXX, got a call from XXXX stating that the " the terms had been changed, now the core value had gone up for {$500.00} '' I asked them to cancel the order and the gentleman said, " I just lost my money '' Barclays XXXX is favoring merchant, and never called me or requested additional information. I opened the case again and they still favor the merchant. 

As per Merchant, I refused to accept deliver of the engine and pay the remaining balance, the engine was never deliver. 
I never changed my mind, the change the terms increasing the core value. 
Never was disclosed in any way, verbally, email or mail that deposits are non-refundable. 
I never received a receipt from XXXX XXXX XXXX XXXX XXXX XXXX, in their website weeks later I found that they a Credit Card Authorization Form which I never filled out. 

I would like for you to know how My Credit Card Company " Barclays '' handles their customer complaint and let people steal money from the consumer. 
I got charged {$500.00} for not reason and this company make {$500.00} for not doing anything. 

Best regards 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 2021-09-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen Properties Group, LLC
State: MA

Complaint narrative:
Aspen Properties LLC has file foreclosure proceedings ( sales date XX/XX/XXXX ) on my home located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX using incorrect financial information. In XXXX I took out a home equity line of credit with XXXX XXXX XXXX. The credit line was for roughly {$190000.00} XXXX XXXX closed down the credit line in/or around XXXX. Aspen Properties has acquired the loan and incorrectly claim that I owe {$190000.00}. I have repeatedly asked Aspen to sent me documentation of all the withdrawal AMOUNTS from the HELOC as well as the DATES of those withdrawal but to no avail. The amount Aspen allege that I owe is incorrect and I hereby respectfully request a correct accounting of all transactions including amount withdrawn and dates from that HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have these acounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 01 SYNCHRONY BANK Account Number : XXXX This is 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 explanation
Consumer complaint received 2021-09-08 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: DriveTime
State: GA

Complaint narrative:
On or about XX/XX/XXXX I purchased a vehicle from DT ( drive time ) ( used XX/XX/XXXX XXXX ). XX/XX/XXXX is the first alleged missed payment. I was harassed and called on my cell phone, work phone, and relatives phones in regards to the debt owed. I was called at inconvenient times and often times the contact was rude and disrespectful. The collection practices unconscionable. 

The car was repossessed in XX/XX/XXXX and sold in XX/XX/XXXX ; DT continued to contact me and unconscionable manners. My credit report says the vehicle was sold in XX/XX/XXXX. DT has consistently and for years, incorrectly reported my balance, payment dates/amounts, they also illegally reposed my vehicle. They are reporting that the vehicle sold on a incorrect date, reporting incorrect payment history, and they are impacting the worthiness of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
The company has called me a few times. Neither time have I answered but they have left a voicemail with personal information on the voicemail. They dont know that the number they have called on is my phone number. They told me in the voicemail how to pay the bill and the account number that is listed with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Recovery Solutions
State: PA

Complaint narrative:
I guy named XXXX XXXX said he was from lakeside recovery solutions said I owed a credit card account of XXXX but I would have to make a lump sum of XXXX or 6 payment of XXXX and had make a decision my the XXXX of XXXX or the would sue me and garnish my wages and send sheriff to serve mr papers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: DC

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TX

Complaint narrative:
I have submitted a dispute to Experian, XXXX and XXXX regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.

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 2021-09-08 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation