vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX balance : XXXX After reviewing my credit profile. I identified this inaccurate fraudulent account under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character.

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C.

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Please strike and remove this account from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) XXXX adequate validation has been received proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Credit Karma, LLC
State: MA

Complaint narrative:
Credit Karma has been deliberately targeting myself and others as well with mismanagement of credit scores, there is absolutely nothing that changes within the company system I have been in the lower scores going on almost 6 years and each time Ive reported this issue Im going through a chat or as there is no one to be redirected to. Obviously this is purposeful and I believe it to be a targeting tactic to push the agenda of reducing any credit issues by submitting to a loan company an d of course the credit card companies that are offered by the site and if not accepted they pay {$50.00} dollars. I want actual answers and I want my credit score up to the XXXX where its supposed to be. This score system I believe is a targeting tool used against ethnicity and religious groups to perpetuate the low score myth as Im living proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have reach out to all three credit bureau, also to Macys as well to dispute inaccuracies on my XXXX card with Macys. The account is closed, upon checking I see that this company has pulled my credit report on several occasions without my permission. The inccuracies of information has destoryed my credit tremendously. I'm requesting that this closed account be remove from 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 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Galaxy Capital Acquisitions, LLC
State: KY

Complaint narrative:
The debt was from a XXXX card with a {$300.00} limit from back in XXXX. I have no signed contract with my name and Worldwide Asset Purchasing II LLC. that is pursuing the debt through XXXX XXXX XXXX. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and Worldwide Asset Purchasing. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-15 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:
On XX/XX/XXXX, I sent a letter to TransUnion disputing the bankruptcy and the items including in that bankruptcy. I have asked them to provide documentation verifying this information as the furnishing of this information is a violation of my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). TransUnion responded by stating that the court furnished this information. I received a letter from the court stating that they are not furnishers of data to my credit report and did not verify nor did they validate any information therein. I also received information from XXXX XXXX stating that the information being reported is unverifiable. With all this being considered, please provide how you verified this information. It is clear that TransUnion is reporting this information inaccurately and falsely. 

I have resubmitted another asking them to send me information as to how they verified this information and there has been no 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 non-monetary relief
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it 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 non-monetary relief
Consumer complaint received 2022-12-15 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I have received an email from this company/organization on XX/XX/XXXX ( yesterday ) detailing me I have not fully paid the balance due on my loan. I have not done business with Spotloan since XX/XX/XXXX and the last payday I did receive was paid in full. I have not received anything since then even in XXXX I had a balance. The amount the company is asking is {$1500.00} which is excessive and after researching the company I see highly unusual results of a rip-off and predatory lending results. I dont know why now Im receiving an email and not in XXXX telling me of a debt Im not fond of. I have attached photos for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of XXXX, we sent in our normal payment. We were a bit tight, so our XXXX  was helping us out ; they provided a check for {$500.00}, while we paid the rest. We included our mortgage statement in with the payment, just as we had every single time we did this process. Truist " processed '' our payment on XX/XX/XXXX. Unlike every other time we've done this, they suddenly forgot how to process multiple checks. They applied our check towards principal only and sent the XXXX XXXX  check back to them. Due to the fact that it took some time for the XXXX  office to figure out what was going on, direct the check to the XXXX, and the XXXX  to jump through the hoops required, Truist marked our payment as over 30 days late, even though we had done everything right. 

Fast forward to today. We are down to 77.76 % XXXX, our missed payment is more than a year in the past, and they still will not drop our PMI due to that 30 day late payment which was their fault, not ours. We have requested it to be dropped twice since it has dropped below 80 %. The first time was in XXXX or XXXX of this year ; when on the phone with them, discussing why they rejected us, their customer service rep saw the " missed payment ''. When told about what had happened, she was able to follow the trail and confirm that it was their mistake, but that too much time had passed since it occurred and they were unable to do anything about it. The second time was just this month ( XX/XX/XXXX ) ; we just received the letter of denial in the mail. 

What are our options? We are below the government-mandated 78 % level for automatic PMI removal, but they're still throwing their mistake in our faces. We've paid over {$1200.00} in PMI that I don't feel that we should have been required to pay, as they were the ones that made the mistake processing our payment.

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 2022-12-15 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:
Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it 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 non-monetary relief
Consumer complaint received 2022-12-15 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:
Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.

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 2022-12-15 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-15 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-15 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation