vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding incorrect information on my credit report. Despite several efforts to address this issue through the appropriate channels, the credit bureaus have neither acknowledged nor investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these repeated submissions, the credit bureaus have not provided any response, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

This marks my fifth attempt to resolve this issue, yet I have received no response from XXXX, Experian, or XXXX. I am filing this complaint as a last resort and request your prompt assistance in addressing 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 2024-08-19 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-19 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-19 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: NJ

Complaint narrative:
These inquiries was added without my knowledge Inquiry 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

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 2024-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous complaint which you closed prematurely. Complaint No. XXXX. You said I had 60 days to respond, and you did not give me 60 days, therefore I have opened this new complaint to get help from you in addressing my mortgage servicers continued abuse, harassment and discrimination. 

What has happened is that SPS is trying to get too much money from me for an escrow impound account in violation of the modification contract that was provided under the XXXX mortgage relief law. Because SPS is now stuck with a low interest rate on the mortgage PER THE CONTRACT, they are using a demand for an escrow impound account as an excuse to force me to pay {$400.00} more per month than I am supposed to pay per the contract claiming - falsely - that it is for 3 months of insurance and taxes. WHICH IS NOT PART OF THE CONTRACT. They violated and are continuing to violate the contract. 

The contract does not require me to keep an escrow account with them at all. Therefore, I have paid my property taxes already, I am now paying my home owners ' insurance directly- not through SPS. There is absolutely no reason for SPS to require me to deposit money in an escrow account with them. 

I have continued to pay the mortgage ( principal and interest only ) per the contract BUT NOT the amount ( XXXX months of property tax and insurance ) they are calling an escrow impound account because they are not entitled to that. They are a servicing company - not a bank. They are not required to follow any banking rules because they are not a bank. Unless you do something about this, they will use this false claim of a need for an escrow impound account to attempt to foreclose on my home- which I haev owned since 1994. 

Attached are the documents to support this complaint and complaint XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: MS

Complaint narrative:
Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Experian and XXXX has this account open XXXX has this account closed. Please remove this account immediately! Thanks! XXXX XXXX AUTO - ( account number ) - 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 2024-08-19 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-19 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A total of XXXX unauthorized withdrawals from my Wells Fargo bank account withdrawn using XXXX. 
The XXXX was done in XX/XX/24 for a total of {$1000.00}, the XXXX, XXXX, and XXXX unauthorized withdrawals were all done on XX/XX/24 each for {$1000.00} for a total of {$4000.00}. I already made a report to Wells Fargo in XXXX when I noticed this theft but they refused to 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 monetary relief
Consumer complaint received 2024-08-19 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX 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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I purchased this vehicle less than a month ago in XXXX. And its been nothing but problematic. 
XXXX XXXX 2010 XXXX XXXX XXXX XXXX Tx XXXX location. 

I work XXXX m-f which leaves me without an opportunity to even drop off my vehicle for repairs as I live XXXX miles away from the shop and an uber to the location is {$30.00} XXXX way and thats on weekends. During the week its $ XXXX. Ive had diagnostics ran on the vehicle and theres a lot more wrong than minor cosmetic issues. My headers keep misfiring, the XXXX is already starting to go out, oil levels wont hold. ( took it to take XXXX and they said it would be over {$150.00} to fix it at base level ). Since the location of the windshield repair company they suggested is XXXX miles away from me XXXX cant get that fixed. I did a safelite quote and its almost {$370.00} to replace it. XXXX honestly worried every day XXXX XXXX to work because its starting to sound like its going to die everyday. I missed the full payment on Friday ( for the down payment not the actual car loan ) due to the fact that Ive had to take an uber and get rides to work due to safety concerns. Please help me, also my references are getting harassing messages and phone calls. Most of the references are XXXX and they are freaking out. XXXX be glad to pay the full balance once Ive got a resolution. Not having a vehicle for several days is unacceptable especially so soon after purchase. Either a vehicle with a clean bill of health would suffice or take it back. This car according to Take XXXX would not pass inspection ( which is very concerning ) Thank you for your time. I will be away from my phone most of the day as XXXX having a medical procedure done after going to the hospital. Please let me know if you need anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tenant Data Services Inc
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute XXXX eviction judgments that have been erroneously reported on my credit report. I have no knowledge of these judgments, and I believe they XXXX have been reported in error or as a result of identity theft. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX. 

The judgments in question are : Case No : XXXX Filing Date : XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX Judgment Date : XXXX Judgment Amount : {$2000.00} Court : XXXX XXXX CT XXXX XXXX XXXX XXXX Case No : XXXX Filing Date : XXXX Plaintiff : XXXX XXXX XXXX XXXX Judgment Date : XXXX Judgment Amount : {$5400.00} I have no record of residing at the addresses associated with these judgments, nor do I have any knowledge of legal proceedings against me by the plaintiffs mentioned. I request that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified as accurate. 

As required by the FCRA, please investigate this matter and provide me with the results of your investigation within 30 days. If you find that this information is indeed inaccurate, please remove it from my credit report and send me an updated copy of my report showing that these items have been deleted. 

Additionally, please provide me with the name, address, and phone number of the information sources so that I XXXX contact them if necessary. 

Thank you for your prompt attention to this matter. If you need any further information from me to complete your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Earlier in the year, XXXX of the credit cards I have with Truist were stolen and several fraud charges were made on them. I immediately contacted Truist to report the issue. It took several months for anything to be done about it. In the meantime, Truist was charging me interest on those fraud charges. They eventually finished their investigation in XXXX and determined they were indeed fraudulent and reversed them. However, they then changed their minds nearly XXXX months later and put the charges back on XXXX of my cards. They then closed my savings and checking account as well as both of my credit cards. No reason was ever given outside of a generic letter that said Truist had the right to terminate my accounts at any given time. I've contacted them several times and for months after just trying to get clarity as to why and they all refuse to give me an answer. For whatever reason, XXXX of the cards was randomly re-opened last week for regular usage again. I only noticed because a random XXXX charge was made on it. I'm confused as to why it was even closed in the first place and why {$7000.00} of fraud charges are allowed to stay on this card.

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 2024-08-19 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX 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 explanation
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. XXXX and XXXX has this account open Equifax has this account closed. Please remove this account immediately! Thanks! XXXX XXXX AUTO - ( account number ) - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I am not liable for this debt with IQ Data International , Inc. I do not have a contract with IQ Data International Inc. They did not provide me with the original contract with IQ Data International, as I requested. 
IQ DATA INTERNATIONAL Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 

Furthermore here are Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the US Code service. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things 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.

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