vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter from the IRS stating that because of {$14000.00} of debt canceled by Regional Acceptance ( auto loan ), I owed {$4100.00} due to the IRS by XX/XX/XXXX. As I never received notice of debt cancellation ( 1099-C ) about this loan account # XXXX from regional acceptance I began calling on XX/XX/XXXX to XXXX ( option XXXX ). 

As of today XXXX, I have called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX with my account number and call back #. There has been no response from the company nor can I speak to a live representative I only receive a voicemail option when I called XXXX option XXXX. 

My concerns are that : a ) I never received debt cancellation notice. This debt was a joint loan with my ex husband from 2017 in which I was not fully responsible for as we both signed. 
b ) This company makes it impossible to speak with someone to resolve issues. 
c ) This is affecting my livelihood as the IRS has sent a letter stating that because of this I owe {$4100.00}. 
d ) I can not dispute this with the IRS because I can never get in contact with anyone at Regional Acceptance. 

This feels like fraud and it's company abuse.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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

XXXX XXXX XXXX : # XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( COMMONWEALTH FINANCIAL ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
My credit score has been impacted negatively from the two 30 days late payment history that has been reported to the 3 credit bureaus from my account. This account has been fully paid off and i would like to request that you remove the negative history from my credit report with each of the bureaus. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you. 

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you.

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-03 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: CA

Complaint narrative:
I called Experian and asked them to remove all negative information in connection with my consumer report because I never gave them permission to use my private account information. Moreover under rules and construction 15 usc 1681 ( a ) ( 2 ) ( i ) transaction information is forbidden in respect to consumer ( me ) and person reporting it ( Experian ).

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 2023-03-03 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX my sister was contacted by someone claiming to be from " XXXX XXXX XXXX '' from XXXX and was told to contact me regarding a judgement. 

On XXXX my XXXX XXXX XXXX was contacted by the same number with the same message. 

After looking at my voicemail I noticed at least 2 calls and voicemails from XXXX demanding a call back to XXXX on those same dates. 

I called the XXXX number and a man who did not identify himself picked up. He ashed me some basic info about who I was and put me on hold. 

He came back a few minutes later and said he had a hard copy of my judgement and told it was in regard to 2 accounts. Made several claims about fraud etc and said one account was an old XXXX XXXX  account that was closed in XXXX or XXXX and the other was a Wells Fargo line of credit closed in XXXX. 

I told him that I never had a line of credit with Wells Fargo. He initially insisted I did, but then said it was also a checking account. 

He said the total amount owed was XXXX plus dollars but with court costs etc it totaled to XXXX plus dollars. 

I said back to him that the XXXX account was from XXXX, it's XXXX and so it couldn't be collected on. And that I didn't owe anything to Wells Fargo for the checking account. He treid to insist that it was able to be collected on, even with the statute of limitations and that I already had made a payment on the Wells account in XXXX. 

I told him no, that it was absolutely incorrect and then he said well since you know everything, get off XXXX  XXXX phone and wait for instructions and hung up. 

I did a reverse # search on the XXXX number and it came back to a mobile phone, and the XXXX number did not return any results. 

I do not have a name of the person that I spoke to, nor do I have a name of a company to refer to. The only name I have is in my voicemail.The name is XXXX XXXX. And a tracking XXXX. The voicemail also referenced reporting my info to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX  DELAWARE # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # 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 XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # 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 non-monetary relief
Consumer complaint received 2023-03-03 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 XXXX  Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX DELAWARE # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXXXXXX 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 FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NUMBER OPPLOANS XXXXXXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX XXXX  and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TX

Complaint narrative:
on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2023-03-03 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Our home loan used to be with XXXX XXXX XXXXXXXX until it was sold to Selene Finance in the last couple of years. Due to XXXX, my wife lost her job and we lost our small business. We applied for a loan modification last year but the numbers they gave us were significantly higher than our current payment amount and so we appealed for a lower amount. We never received an answer in the mail ( although they claimed that they sent one ), and ultimately found out our appeal was denied, and that basically an appeal did not apply to our situation because we had been " approved '' ( basically take it or leave it ). Eventually we were told to reapply, which we did. We received a vague approval letter with no package of information. Upon speaking on the phone we learned the numbers are even more astronomical, approximately 75 % more than original payments on top of a hefty down payment. That being said, this was over two weeks ago and we still haven't received any actual paperwork. Throughout this process their communication has been lacking to say the least. Then somebody showed up to make sure we are still living here. We feel as though they are trying to push us out of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In the last week, I have applied numerous times to the Apple Credit Card, My GM Rewards Card, and My GM Rewards Business Card, after the application I was asked to upload my driver 's license and so I did. I actually included my 2 names and my 2 last names because they came back unable to verify identification information. At this point, I don't know who to talk to anymore or what else to do and they are not telling me anything else. They tell me to re-apply again and again and then they told me I have applied too many times in the last 30 days so they are back and forth. At this point, I don't know if they know whats my name and my last name but this needs to be fixed.

Company response to consumer: Closed with explanation