vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/2022 XXXX XXXX  XXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022

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 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX through Carvana in XX/XX/XXXX. I called them in XX/XX/XXXX to report that the vehicle had no airbag. They did nothing until I reached the 12 month threshold in XX/XX/XXXX and they refused to address issue saying I had the vehicle over a year. I told Carvana that the VIN number in the dash of the car did not match the model car they sold me. My car is a XXXX model but the VIN matches a XXXX model. They did not respond. I don't know if they sold me a stolen car or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ 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 2022-04-13 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: NY

Complaint narrative:
I am writing to have the items listed on my report deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
I am writing to have the items listed on my report deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests.

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 2022-04-13 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE XXXX XXXX XXXX XXXX This debt originated in XXXX  but was sent to collections shortly after. 
The Fair Credit Reporting Act says that if in collectionsm, it must show the amount of {$0.00} and the correct date of the debt. CBE is showing an open amount of {$820.00} as of XXXX. 
I have not contacted this Creditor or this collection agency at all since XXXX. They can not show this as of XXXX and should show {$0.00}. This has been 7 years and should also be close to be removed my report. 
CBE XXXX XXXX XXXX XXXX never reached out to me at all to even try to find out anything about this debt that I was told would be written off since I was unemployed and no insurance, They seem to have not recorded this information anywhere. 
I have disputed this at least 3 times with XXXX and all that has happened is XXXX  change the date illegally to XXXX. This is inacurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
For over two years, I have had a auto payment set up for my rent with BB & T Bank for {$850.00} to a family member 's corporate account that owns the property. Payments have been sent automatically without a problem until I was notified by my family that three ( 3 ) payments were received for XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. When I investigated why three payments were made in XX/XX/XXXX, I discovered No payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I realize BB & T has been merging with SunTrust to become Truist Bank ( which was finalized in XX/XX/XXXX ), but all my other automated payments with that checking account have been fine. I contacted the bank and spoke to XXXX and explained I maintain a balance of {$12000.00} - {$17000.00} in that account at all times, so funds were available. I never received anything from the bank that there was a problem making the payment. Then the bank takes three ( 3 ) monthly payments in the month of XXXX, again without notifying me they would be doing so. If my rent payments had not been going to a family corporate account, I could have been served an eviction notice for non-payment. Then to take three payments in one month from my account without notifying me they were going to do so could have resulted in numerous overdrafts charges if I did not maintain such a large amount in my checking account. All I wanted was a letter from the back stating why this happened, that it had been corrected, and this was not due to any fault of myself. I was told this could not be done. Nor could XXXX explain why it happened or if it will happen again.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX contacted XXXX, TRANSUION, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX contacted XXXX, XXXX, And EXPERIAN FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights

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 2022-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to Experian, XXXX, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX / XXXX, US DEPT OF EDUCATION, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX, XXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX XXXX {$180.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} / XX/XX/2022

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX is a victim of identity theft I contacted National credit systems on XXXX to notify them that I was a victim of identity theft & fraud and they stated I need to send in a police report and theft affidavit which I did the same day XXXX I sent a certified letter XXXX demanding them to remove the said fraudulent accounts from their records and report to the credit report agencies that the said account was fraudulent and need to be removed XXXX XXXX that was handling my account which is the employee of National credit systems stated to me she did indeed receive it and assured me she will get it took care of give me 30 days to investigate I have sent over 70 emails because nothing was done here we are XX/XX/2022 my credit report is still showing negative and the fraudulent account is still there so now Im taking legal action to suit national credit systems for reporting fraudulent inaccurate information the suit will be in affect XX/XX/2022 which they are in violation according to FTC AND THE FAIR CREDIT REPORTING ACT SECTION 605 B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
N accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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 2022-04-13 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: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MI

Complaint narrative:
LAST MONTH TRANSUNION HAD A GLITCH IN THEIR SYSTEM TO WERE ALL THE INQUIRIES WAS DELETED FROM EVERYONE ACCOUNT. HOWEVER I WAS ONE OF THOSE PEOPLE WERE ALL THE FOLLOWING INQUIRIES WERE TAKING OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEN A WEEK AND HALF GO BY AND THEY ALL JUST POPPED BACK UP ON MY TRANSUNION REPORT CAUSING MY SCORE TO DROP, ME TO GET DENIED FROM LOAN COMPANIES. THEY NEVER SENT OUT ANY LETTER TELLING ME ABOUT THE GLITCH IN THE SYSTEM OR THAT THEY WILL BE RE-ADDING THOSE HITS BACK TO MY REPORT WITHOUT MY PERMISSION. I FIND THIS VERY DISTURBING AND RUDE AND SNEAKY. PLEASE HELP ME

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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF THE WEST
State: NY

Complaint narrative:
I, XXXX XXXX, have recently sent a cashier 's check from my bank XXXX to a contractor XXXX XXXX XXXX, for construction work. My check of {$6000.00} was deposited into his account on the XXXX of XXXX. My bank, XXXX will verified the check has been cleared only if Bank of the West calls, - ( XXXX ) XXXX extension XXXX - which they are not willing to do. Bank of the West refuses to pay out the funds to XXXX XXXX XXXX XXXX XXXX me. My construction project has come to a halt and I am getting calls, texts, and emails about the situation over the last several days, including the workers threatening to sue me for not getting paid. Kindly please see to this. I was told only Bank of the West will be able to fix and that XXXX can't do anything. I spoke with the branch manager, she said that she can't do anything due to not being on XXXX XXXX 's account. This includes refusing to refund me or payout the funds.

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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
they call me at least twice a week To try to get me to refinance my house I explain to them I dont wan na refinance and can you please stop calling me.Every month when its time for me to pay my mortgage they transfer me to a sales person instead of letting me do it through the automation system, every month it makes me reset my password on the online app just so that I have called them so that they can try to sell me to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IL

Complaint narrative:
A person with the name XXXX, called and text my neighbors, and other family members on XXXX, and before. This person stated he wants to give a person listed on my agreement, a kiss. They repeatedly call my home, leave messages, and email me, all day long. I dont appreciate the harassment to my neighbors and family members.

Company response to consumer: Closed with explanation