vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist ( XXXX Suntrust ) calculated our escrow account incorrectly by including an incorrect insurance payment that they never made for {$4700.00}. It increased our mortgage payment by {$270.00} per month. I called them in XXXX and a customer service rep was actually helpful and figured out the error behind the scenes without me having to deal with numerous people. She said that a new analysis would be done and sent to us with a corrected monthly payment by XX/XX/XXXX. Since we did not receive anything via mail or email, I called today and was told that the request for a new escrow analysis was closed with no action ( and no communication ). I was told that the request was input again today and would be ready in XXXX business days by XXXX representative in the insurance dept and 4 days by another representative from the customer service dept. Our XXXX payment included the extra amount to avoid the nightmare of dealing with them for an underpayment. Now our XXXX payment is due. Please ensure that Truist follows through with the new escrow analysis. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reached out to XXXX, XXXX, and TransUnion on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XXXX bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I reached out to Experian, XXXX, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXX patrolman 's fcu ) {$1800.00} XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax has recently deleted positive accounts on my credit report without my permission. 

please reinstate all positive accounts and remove all negative accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: WY

Complaint narrative:
XX/XX/XXXX We were working on modifying our forbearance, due to the XXXX pandemic. Our loan was sold to Selene Finance, they were amazing at first. Very understanding, and willing to help. We filled out the application online and waited. 
XX/XX/XXXX we were sent a packet, stating a modification, raising our interest rate and taking the loan our for 480 months. We were not excited about this rate hike, but the payment would be close to the same, we were under the impression were going to do a partial claim and the lump sum would be added to the end of the loan, and we would keep our rate. Again, we were told to fill out the application, they had dropped the ball on our timeline, their fault, but they would work on it, and we would modify soon. 
We have received a foreclosure notice but are reassured our home is not in foreclosure. 
We have been told this and that is missing, they won't accept this, this is what needs to happen, etc. Again, stalling the process so we are further behind. 
XXXX has sent an inspector to our property, and the inspector not only once but twice has spoken to a third party who is not on the loan, about our loan. When I brought it to the attention of customer service, I was told the inspector for XXXX could speak to whomever they pleased about our loan. NOT TRUE! 
XX/XX/XXXX we finally received another modification letter. The letter I received, was missing pages and very vague. We needed to respond within XXXX days of receiving this letter. When I contacted customer service, they emailed me an entirely different set of papers. We are approved but the rate jumped to 7 % for 30 years and the payment is now over {$500.00} a month more. this is not in our best interest. The dates and amounts do not match, nor do they add up. They want us to make the first XXXX payments to an account that will be put into a suspense account. With XXXX being the first month of the modification. We can only pay with certified funds. From what I understand, from complaints on their website, they won't post your payments. 
I am in the process of working with my states HAF program to help, they said this is not what is supposed to happen. There are government programs to help do what's in the best interest for borrowers, because of the pandemic, and I feel XXXX is dragging their feet, so our loan becomes more delinquent, and they can take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved my old apartment back in XX/XX/2022 period I had fulfilled my lease and was on month to month I'd give him my 30 days notice received confirmation from the leasing office that they received it and when I moved I owe no money I received a letter in the mail mid XXXX from a collection agent agency saying that I owed money for a balance that I owed to the apartments that I previously lived at which was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX then that was the only letter or notice that I had received at all regarding this issue I do not owe the debt and I collected contacted the property management company however they had ceased operations a month after I had moved from the apartments so no one can get a hold of them I contacted the collection agency to tell them that I did not owe the debt I sent them bank statements receipts that I had gotten from the apartments for all my rent the 30 day notice I had turned in I submitted all Communications I had received to and from the apartment 's emails texts and letters and I dispute it with the credit bureau however I've received no help and they have ruined my credit but I do not owe this debt the property management company simply said I owed a debt and immediately sold it to a creditor which didn't contact me and immediately then place it on my credit report I have filed with the XXXX  and Attorney General 's office but still have received no solutions to this problem I do not owe this money I can prove I do not owe this money please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc.
State: CA

Complaint narrative:
This complaint for TESLA account number : XXXX XXXX XXXX XXXX XXXX, CA XXXX Operations XXXX : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX buy back my car after big fight and failure in the car, I also file complain about them with consumer protection bureau and cfbp in the past, I surrender the car on XX/XX/XXXX XXXX and its been more than a month, I still didnt get paid and they didnt pay off my loan which is finance by Tesla as well , I am still getting notification to make payment also Im receiving certified mail to my door warning me to make a payment or they take legal action against me, my credit been ruined for late payment. every time I call they giving me the same excuse, they put me financial hardship, I couldnt buy a car right now because they hold my money also they ruined my credit. 
Ive been renting cars and paying from my pocket all this time. 
This is unacceptable and bbb & cfbp need to take action for the neglect and compensate me for this behavior please contact them and find me solution for this matter so they can send me my money and pay off the loan. 

best regard XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I Never gave those furnishers written instructions to furnish this on my credit report!

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My identity was stolen and credit cards were compromised. I reported this to BOA and the Delaware XXXX XXXX on or around XX/XX/XXXX. My BOA credit card was apparently linked to the theft 's XXXX XXXX account and he continued to charge on my account until XX/XX/XXXX at which time the actual card i was using was denied for a legitimate charge I was trying to make. I called BOA to find out why and was directed to the fraud dept. They asked me if I tried to make 2 large purchases at XXXX in XXXX  on XX/XX/XXXX. I said no, the fraud dept told me not to worry they had declined the charges, my account was secure and they sent me a new card. After the holiday on XX/XX/XXXX I contacted BOA again and found out the thief has changed my phone number, my email address and opened a checking account on XX/XX/XXXX as well without providing ID. He also made a {$2100.00} cash advance from my BOA credit card into the fraudulent BOA checking account he had opened in my name. He also had made thousands of dollars of charges that BOA failed to mention when I spoke to them on XX/XX/XXXX including {$1000.00} at a XXXX in XXXX  on XXXX XXXX and gas at a XXXX in XXXX, note that I never went to XXXX  and I told BOA that on XX/XX/XXXX. I then reviewed all charges with BOA and disputed to the best of my ability all charges that were not mine on XX/XX/XXXX. For unknown reasons, BOA denied my {$4100.00} dispute on XX/XX/XXXX and then on XX/XX/XXXX BOA charged me an additional {$1400.00} for no reason that anyone at BOA can explain to me. Since then they re-opened my original dispute, but went ahead and reported the full balance of disputed amounts plus the {$1400.00} charge to the credit bureaus which caused my credit scores to drop. I have tried to resolve this by going to the closest BOA branch in XXXX multiple times and I have called BOA and sat on hold with there fraud dept. every other day for 2-3 hours each time since then. To date nothing has been resolved or updated. It has been over 30 days since BOA realized there were fraudulent charges on my 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

Company 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