vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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 kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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 2024-02-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: IN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to refile this please as my formal complaint to WELLS FARGO BANK for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX. As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to 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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I'm trying to opt out of email advertisements- but the links aren't working to unsubscribe. when I tried the link to the card it didn't take me to the credit card link either to try and contact them directly, so I could not contact them directly after making an attempt. 

by not providing a valid opt out link they are in violation of the can spam act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally notify you of a violation of the Fair Credit Reporting Act ( FCRA ) that has negatively impacted my rights as a consumer. Specifically, Experian has failed to comply with the provisions of 15 U.S.C. 1681b, 1681c-2, and 6802, which have been designed to protect consumer information and ensure timely communication from reporting agencies.

Violation of 15 U.S.C. 1681b : It is my understanding that Experian utilized my consumer report for purposes not prescribed by the FCRA without my explicit consent and failed to provide me with the required notice within five days of this action. This unauthorized access and lack of notification is a clear breach of the FCRA 's guidelines designed to safeguard consumer privacy and inform consumers of the use of their credit information.

Violation of 15 U.S.C. 1681c-2 : Additionally, Experian has not adhered to the requirements set forth in 1681c-2 regarding the proper and timely updating of consumer information. This failure has resulted in outdated or incorrect information being reported, further jeopardizing my financial well-being and creditworthiness.

Violation of 15 U.S.C. 6802 : Experian has also violated 6802 by failing to provide me with a notice of my rights under the FCRA, which is a fundamental requirement to ensure that consumers are aware of and can exercise their rights to dispute inaccuracies and access their credit information. 

As a result of these violations, I have suffered unnecessary hardship, including but not limited to, financial damages and undue stress. The inaccuracies and lack of communication from Experian have adversely affected my ability to obtain credit and have caused significant damage to my credit score and reputation.

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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Company is withholding {$13000.00} from an insurance claim. I have completed all repairs. They will not send an inspector to my house to verify work has been done. I have requested an inspection many times. They are the worst company I have ever dealt with. Customer service people are on mandatory overtime. They take 24 hours to even return a call when I call. I have provided all information multiple times.

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 2024-02-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-02-02 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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-02-02 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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

Complaint narrative:
On XX/XX/2024 I've contacted, by phone, Experian, XXXX and XXXX to update my new address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and remove a NON-MAILABLE address of XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. Experian verbally said they will not apply the changes.

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 2024-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: OK

Complaint narrative:
This vehicle was paid off by insurance company after total loss. XXXX XXXX was the name it was under it was a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I have an FHA loan with Flagstar ending in XXXX. My mortgage payment was {$2200.00}. During XX/XX/XXXX they sent me correspondence advising me that there was an escrow shortage of {$5700.00}. On XX/XX/XXXX I paid {$2000.00} towards the escrow. On XX/XX/XXXX I paid {$1000.00} towards the escrow, for a total of {$3000.00} leaving a balance of {$2700.00} as a shortage. The bank deducted {$3100.00} as my XX/XX/XXXX payment and it said that my payment for XXXX will be {$3100.00}. I contacted the bank on XX/XX/XXXX, I spoke to XXXX ( may be spelled differently ). He indicated that my monthly payment will be {$3100.00} for the next 12 months. That they computed it by dividing the {$5700.00} by 12. He explained that XXXX will be added to the monthly payment. I asked him what happened to the {$3000.00} I had already paid. He explained how they computed shortages and thats how it will be. It seems to me that they did not take into account my partial payment of {$3000.00} to compute my new payment. In total they have increase my mortgage payment from {$2200.00} to {$3100.00} monthly. An increase of XXXX monthly. It appears to me that they are not following regulations at 12 CFR 1024.17 as my escrow is above the XX/XX/XXXX of the total annual escrow payments the bank anticipates to pay from the account.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see the attached documents. I implore the bureau to begin an investigation into these accounts, as they falsely depict me as late, contrary to my timely payments.

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 2024-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter finance is the company that I complaining about. I have been going through financial hardship. I currently being harassed every day for a payment, and I have told them the hardship. I have also told them I am currently using my car to make money to pay for my expenses. I have even asked to redo the loan agreement, They have harassed me for 3 months straight every day for a payment. I have told them that I have been going through a Financial struggle. So they decided to repossess my car. I would like to know is there any thing I can do to get my car back. They are asking me to pay XXXX dollars in order to get my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto sales went under and I guess westlake portfolio took over which is even worse I think and I asked for records of what they received from us auto and they said they have none. How do I know what they are saying is right. Thus is so unprofessional. I am not sent any XXXX as overwork from westlake or us auto sales to make sure my acct is right. Us auto sales reposed my car in the past when I wasnt behind. And I did not receive one notice from them. Westlake sends nothing in the mail Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I requested a validation letter with proof of my signature and company failed to comply. 
Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
i have had t mobile prepaid for over XXXX  years, in the summer of XXXX i went on a vacation overseas and i called XXXX XXXX  customer service and they advised and assisted me with transferring my service to a post paid account so that i could use the plans benefit of roaming data and cell service on my vacation overseas. Customer service assisted me with the change, i paid the monthly charged and used the service on my vacation and then when i returned i subsequently changed my plan back to a prepaid account because i no longer needed the upgraded service. I continued to use and pay my t mobile prepaid services every month, but suddenly in XX/XX/XXXX i received notice that an account from XXXX was sent to collections for {$52.00}. come to find out after calling XXXX XXXX that this charge was a mistake from the change in service plan back in XXXX. Frustrating as it was for this to pop up out of no where a year after the fact, XXXX XXXX seemed to handle the mistake and correct it rather promptly. However, come now the end of XX/XX/XXXX and i received the same notice again that i received in XXXX regarding this {$52.00} charge from XXXX XXXX. Absolutely unacceptable! To make matters worse, i have tried to contact XXXX XXXX and customer service is absolutely XXXX  and XXXX. It should be a simple enough task for them to be able to reconcile payments received with service dates actually provided. and if they are unable to do this then they have no proof of the debt and have no right to be sending the debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
3. Inquiry Date : XX/XX/2023 Creditor Name : XXXX Inquiry Type : Hard 4. Inquiry Date : XXXX, XXXX  Creditor Name : XXXX XXXX  Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard I have never set foot in the dealer that caused these inquiries and they are all fraudulent because of identity theft and taking unauthorized action against my will.

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