vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXXXXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with Portfolio ( Account Number : XXXX ), XXXX XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account Number XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2023-07-13 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 XXXX Account # XXXX, 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX  XXXX, XXXX, MD, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For the last year and a half I can access my credit report or apply for any type of financial services thats use transition because my Credit report is not accessible. Ive spoken to transunion there able to view my report but not me as a consumer Ive spoke with maintenance team as well as fraud customer service and they still have not fixed the issue there are different birthdays and socials that are not mine attached to my name and the issue is not being fixed or changed they are not following the guidelines of my rights as a consumer or under fair credit act I can not access my identity under this reporting agency

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 2023-07-13 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: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Since XX/XX/XXXX I have been calling Transworld systems Inc to have a debt of {$4300.00} removed from my credit due to an eviction. I have never lived in the apartments that forwarded this debt. Transworld requested documents from the apartment via email and have not received anything. A representative stated in XX/XX/XXXX they reached out to the XXXX landing apartments and have not heard back regarding the requested information. I called again on XX/XX/XXXX, was told the same thing again : we have submitted a request to the company and still waiting for a response. 6 months and this has not been removed or answered. I cant even get a home for my XXXX kids and I because this is on my credit. Please ask them to stop stalling and remove this from my credit since the original owner of the debt has not sent requested documents in over 90 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This was a car load with SECURITY SERVICE FCU in XXXX XXXX TX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home

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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
ACT aka Account Control Technology , Inc., called my father and left threatening messages and where I was about a student loan serviced by XXXX. The person really upset my father, as not only did he know where I was, he was being called and threatened. My father is willing to make a statement about the constant phone calls threatening him and I. I got the number of the ACT collector, and he told me I had to pay {$18000.00}, with a total due of {$19000.00}. I was at the time homeless and in XXXX  with the Veterans Administration.

I had also applied for Federal Loan Forgiveness, ( XXXX Discharge ) and it was approved. I negotiated two payments of {$3200.00}, ( {$6500.00} ) which was debited from my savings by XXXX not ACT. 

This was all a shady collection tactic because I believe they knew that XXXX was about to forgive all of my private loans once they were contacted by XXXX ( XXXX XXXX XXXX ) & The Dept. of Veteran Affairs. I think that ACT new this was the case but still took the money which is unfair. My father is still traumatized by the nasty collections tactics they did, in which nasty and threatening conversations were threatened towards me via my Father and directed at my Father, with threats that if he is harboring me then he is liable. I was getting treatment for XXXX and XXXX  XXXX  from XXXX XXXX XXXX ( XXXX ). 

ALL other XXXX Private Loans were forgiven as soon as they were contacted by XXXX that I was awarded a XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX was also contacted by the Department of Veteran Affairs. I was homeless and then at the VA 's XXXX at the time. I spent 21 years intermittently homeless due to untreated XXXX from 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 2023-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: NC

Complaint narrative:
Accurate background ironically provided grossly inaccurate information about my criminal record- falsely stating the final disposition was convicted when the case is in fact still pending. While I dont dispute that the case can not be reported as pending, I deserve that disinformation not be reported where I am adversely economically impacted and my livelihood and human survival is unfairly impacted due to disinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am writing to file a complaint against Wise Bank. On XX/XX/2023, Wise Bank initiated a XXXX transfer to my XXXX XXXX XXXX  account, which was supposed to arrive within 1-4 business days. However, it has been 14 days and I have yet to receive the funds. I have repeatedly contacted Wise Bank via phone and email numerous times, but the issue has not been resolved. Furthermore, I have no idea where my funds are, and I can not continue to wait endlessly for them to arrive. 

I urgently need Wise Bank to locate my funds and provide me with a clear timeline for when they will arrive in my receiving account. I have been patient and cooperative throughout this process, but the lack of communication and resolution from Wise Bank has caused me undue stress and inconvenience. 

I urge the Consumer Financial Protection Department to take action against Wise Bank and ensure that they fulfill their responsibility to their customers. I look forward to your prompt response and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: AL

Complaint narrative:
My loan was transferred to SN Servicing Company on XX/XX/2022. I was charged a late fee prior to the end of my forbearance. I received a statement regarding my escrow account. The letter stated that the escrow account was negative {$3000.00} and that the additional payment was {$200.00}. I requested an escrow analysis on XX/XX/XXXX according to my RESPA rights. I have not received a response from the mortgage company and it has been almost two months. I have continued to make the additional payment with no response from the company. The mortgage company also charged me a late fee in XXXX for not including the additional payment for the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in 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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
A teller from the XXXX texas branch gave out a temperory credit card with my personal account numbers for my business on them. ( XX/XX/1922 ) i notified the office there when i was notified by the Pennsylvania branch that activied my account atm withdraws were happing in Texas with them knowing iam in XXXX at the time and just left office days earlier in PA as were were discussing business.i have filed complaints on the account. The teller who isssued my personal account numbers to a card without any knowledge cost my account XXXX and several overdrafts and i was forced to withdrawl all my money except a few XXXX because of fear it would be taken.i would never give anyone access to my personal account for my business and i had a balance at the time of XXXX a simple mistake by that teller giving out the wrong routing number and not making the complints to make it right and accepting resonbilbility has cost me money time and countless phonecalls to the instituation and staff of the bank.iam a publisher with SESACand have been with the bank for years. i think i should be able to trust they can make the right decision with my money. 
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 monetary relief
Consumer complaint received 2023-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/ Inquiry Hard Pull not authorized. 
Hard pull on credit report for credit by : SYNCB/SYNCHRONY XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX ) XXXX Location XXXX XXXX XXXX XXXX, FL 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 2023-07-13 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: NY

Complaint narrative:
Bankruptcy showing on all my credit reports where never given permission I have called Experian to remove all bankruptcies information from my report I pay them monthly and constantly calling them about identiy theft on my report they have not done anything also with XXXX and XXXX.also 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 2023-07-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}

Company response to consumer: Closed with explanation