vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Subject : Urgent : Request for Assistance with Accessing Credit Report Dear Experian Support Team, I hope this email finds you well. My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention an issue I am currently experiencing with accessing my credit report through your platform. 

I have made several attempts to retrieve my credit report using the online portal, but unfortunately, I have been unsuccessful in obtaining the information I need. I understand the importance of regularly checking my credit report for accuracy and monitoring my financial health, and I am eager to address any potential discrepancies or issues. 

The details I used for verification purposes match the information on file, and I have followed the recommended steps outlined on your website. Despite my efforts, I continue to encounter difficulties in accessing my credit report. 

I kindly request your prompt assistance in resolving this matter and providing me with access to my credit report at the earliest convenience. If there are any additional steps I need to take or information required to facilitate this process, please do not hesitate to let me know. 

To assist you in identifying and addressing the issue, here are some relevant details : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/1998 Address : XXXX XXXX XXXX XXXX Social Security Number : XXXX I have also mailed a formal letter outlining the issue and my details to XXXX at the following address : XXXX Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX I appreciate your prompt attention to this matter and would like to thank you in advance for your assistance. If there is a specific department or contact person who can help expedite the resolution of this issue, please provide their contact information. 

I look forward to your prompt response and a quick resolution to this matter. 

Thank you for your attention and cooperation. 

Sincerely,

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 2024-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I submitted paperwork in XXXX. The company is backed up so it took them 60 days to complete. Not my fault. My partial claim Was approved and company paperwork received XX/XX/year>. 

On XX/XX/year> I received notice Im 150 days late on my mortgage. How do when the partial claim was approved XXXX and my paperwork was received the same month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received my XXXX Consumer Disclosure Report and I found some incorrect information that Experian and XXXX is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. 
I am disputing the incorrect reporting of a Bankruptcy on my XXXX XXXX Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I paid off an XXXX XXXX XXXX debt with XXXX XXXX XXXX in 2022 and I have a letter stating such. 
The account was settled in full for less than the original amount. 
The bad debt has been sold twice to other collection companies. This is unfair. 
Radius Global Solution is trying to collect something that was already settled in full.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Credit Bureau did not send me back any verification information about the court verifying the bankruptcy which is reporting to my Experian and XXXX. I submitted a letter that stated the court of the XXXX XXXX XXXX Illinois does not report bankruptcy to the credit bureau and asked them to remove it. They sent no verification information from the court with the referenced bankruptcy XXXX XXXX XXXX XXXX  IL XXXX and on XXXX reported dismissed XXXX XXXX XXXX XXXX XXXX XXXX  This is misinformation as I have no Bankruptcy in XXXX XXXX Neither of the organization provided documentation from the court of the northern district. There letter states they do not report to credit Bureau and I am asking for them to remove it from my file 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS has requested certain items of me, asking if I had an XXXX fee, which I do not. SPS has further asked for proof of occupancy, in which I have provided my Declarations page below. On the XXXX of XXXX, I provided XXXX XXXX XXXX my XXXX XXXX ) with my tax information via upload in there system ( this has been completed about 3 times ). 

I completed the XXXX modification agreement per request, followed by XXXX at XXXX. Below is my notification indicating SPS has received on XX/XX/XXXX and it will be forwarded to the appropriate Department for handling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CARD Corporation
State: TX

Complaint narrative:
On XX/XX/2024 I received an email from Card.com that my account has been approved. I had not signed up for a Card.com account. On XX/XX/2024 I emailed Card.com customer support to request assistance. On XX/XX/2024 I received another email card.com security regarding information about my card and that they were cancelling it due to not being able to verify my information. On XX/XX/2024 I received another email that my card was on its way. By XX/XX/2024 the card was in my mailbox. 

While I was receiving these emails I was also receiving calls from people at Card Services wanting to verify my identity with an old company email address I had 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I've received statement from XXXX XXXX XXXX XXXX service which I do not have. I've been using XXXX XXXX XXXX for business for many years now. I don't have anything to do with XXXX XXXX XXXX I'm vigorously disputing this and would like to get this contaminated report off 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My student loan from XXXX has been paid in full by me. While the other credit reporting agencies have updated this information, TransUnion has refused to, even when I filed a disputed. They show it still open. I have to assume this is because of my prior complaint regarding my credit score. There is now a XXXX point difference between my TransUnion score ( XXXX ) and other agencies ( XXXX ). 
Do I need to hire a lawyer? Does TransUnion need another class action lawsuit, such as the XXXX XXXX they had to pay out to renters for refusing to correct credit reports? 

This is completely unacceptable. FIX MY 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
I sent numerous certified mail to this company address as stated on my credit report. This company refused all certified mails, including priority mail that was signed for by their staff member and then sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This fraudulent crooked company thinks by marking XXXX complaints as duplicate will fix the fact that experian stole NOW almost 30 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been waiting for this refund check since XXXXXXXX XXXX XXXX I have reached out ti Truist countless times to see where the check is. They claimed to have mailed 2 checks out, but they keep sending it to an aold address. I ha XXXX given Truist the new address several times when speaking to different people that has assured me that the new address is on file. I am tired of calling and dealing with this situation. ALL I WANT IS MY GAP REFUND CHECK! 

XXXX has paid Truist so Truist needs to pay 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 monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp.
State: NJ

Complaint narrative:
I leased a Toyota XXXX  from South East Toyota Finance to be used by me and my father at a house I had in XXXX. My dad has health issues and isn't in XXXX anymore, so the car is unnecessary. I checked on the value of the car vis a vis the remaining payments and determined I had equity in the car, so I reached out to local dealers in NJ and found one willing to buy it. South East Toyota Financial is refusing to take the payoff and transfer title ( they told me they would not ). It is not clear to me why anyone would not take payment in full, other than to keep me paying an interest rate higher than the current market or they are trying to control sales of used Toyotas. They are making a stretched reading of the lease in my opinion- it does not include anything that says a third-party can not pay off the lease and receive title. This just doesn't seem fair. 

I have attached the lease. All other discussions were by phone ( and took a long time to reach anyone, which is a problem in itself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCM Finance LLC
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation