vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years.

Knowingly reported incorrect information to the credit agencies.

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!

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 2024-08-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years.

Knowingly reported incorrect information to the credit agencies.

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: IL

Complaint narrative:
In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years. 

Knowingly reported incorrect information to the credit agencies. 

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!

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 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
When I moved out of the apartment I paid before I left. I have my receipts and a email between me and the property manager. They are upset because I sued them in court for not fixing anything in the apartment and now theyre falsely saying I owe them. I disputed it with the collection company and called but they said because they work for the apartment management theyre not obligated to help me or remove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In Accordance to 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 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 I looked at my Experian, XXXX and XXXX report on XX/XX/2024 and notice something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

Resourses

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 2024-08-18 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: MD

Complaint narrative:
In Accordance to 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 XXXX  # XXXX. XXXX # XXXX XXXX inc # XXXX. XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  # XXXX. XXXX  # XXXX. XXXX XXXX # XXXX I looked at my XXXX, XXXX and transunion report on XX/XX/2024 and notice something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 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 2024-08-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In 2018 some one buy and vehicle XXXX XXXX under my name I will lose my wallet on 2018 on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and 2 credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not XXXX or XXXX they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have called WF several times to gain information on my checking and savings accounts to verify that both accounts were not affected by the opt in issues caused by fraudulent bankers meeting sales goals. I believe both my checking and savings accounts had add ons added to them since their inception and would like a reviews of such accounts. Also the savings account I believe was closed without my knowledge.

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 2024-08-18 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: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, EQUIFAX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX VIA DEALER EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX, XXXX EQUIFAX XX/XX/XXXX XXXX XXXX VIA DEALER EQUIFAX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX  XXXX VIA DEALER EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have called WF several times to gain information on my checking and savings accounts to verify that both accounts were not affected by the opt in issues caused by fraudulent bankers meeting sales goals. I believe both my checking and savings accounts had add ons added to them since their inception and would like a reviews of such accounts.

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 2024-08-18 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: NJ

Complaint narrative:
In XXXX  some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX credit XXXX on XXXX bank and XXXX XXXX bank I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not Transunion or XXXX they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains

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 2024-08-18 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: NJ

Complaint narrative:
In XXXX  some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not XXXX or Equifax they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
In XXXX some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX  credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only Experian not XXXX or XXXX they XXXX the total wrong information and ask me To get police reports I did fill like 4 times but still remains

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 2024-08-18 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: FL

Complaint narrative:
I would like to dispute the following items on my credit report. 

TransUnion : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2024-08-18 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: LEXISNEXIS
State: NV

Complaint narrative:
I am not liable for anything this company LexisNexis report I have not gave them permission to report anything and don't have any contracts with them about anything they reporting. I have send them certified letters in the mail explaining to them I'm a victim of identity theft this information is wrong with the police report. This company is still reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The debt collector is out of state, beyond statute of limitations, is not the original creditor, and violated laws. Removed all false and misleading information immediately or face a class action lawsuit. No debt is owed and the amount is overstated and bogus. See attach

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