vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XXXX, I contacted Toyota Motor Credit Corporation to notify them that I was entering active military duty and requested the termination of my vehicle lease in accordance with the Servicemembers Civil Relief Act ( SCRA ). Toyota informed me that they would terminate the lease and retrieve the vehicle. However, this did not happen. 

Since I was in boot camp and had no access to the internet or phone for several months, I was unable to monitor the situation. Upon completing boot camp, I discovered that Toyota had not taken any action to terminate the lease, as agreed, and the account had gone delinquent. This resulted in negative reporting on my credit file, which significantly damaged my

credit score. This issue arose through no fault of my own, as I had complied
with my obligations under the SCRA by notifying Toyota of my active duty status and requesting the lease termination. Toyotas failure to follow through on their obligations under federal law caused the account to be charged off and improperly reported as delinquent. 

I respectfully request that Toyota Motor Credit Corporation correct this issue by removing the negative remarks from my credit report, as the delinquency occurred due to their error in handling my account. I also ask that they verify their compliance with the SCRA in this matter. 

Thank you for your attention to this matter. I am happy to provide additional documentation, including proof of my military orders and previous correspondence with Toyota. For the record I would email them and they would just call me to which I requested to just email me to have it on record and they didn't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account does not belong to me, I do not have knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against the credit bureaus for failing to address my disputes regarding inaccuracies on my credit report. Despite submitting the required documentation and filing disputes within the designated timeframe, I have not received any response or resolution from the bureaus. This lack of communication has left me unable to resolve the errors affecting my credit score and overall financial health.

I have made multiple attempts to contact the credit bureaus to follow up on my disputes, but they have not acknowledged my concerns or provided an explanation for the lack of action. This delay and lack of response have caused significant inconvenience, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.

I am requesting that the Consumer Protection Bureau investigate this matter and take appropriate action to ensure the credit bureaus comply with their obligations to respond to disputes in a timely manner. 

My information should be as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employment should be as follows. 

postion : chief Executive Officer ( CEO )

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against the credit bureaus for failing to address my disputes regarding inaccuracies on my credit report. Despite submitting the required documentation and filing disputes within the designated timeframe, I have not received any response or resolution from the bureaus. This lack of communication has left me unable to resolve the errors affecting my credit score and overall financial health. 

I have made multiple attempts to contact the credit bureaus to follow up on my disputes, but they have not acknowledged my concerns or provided an explanation for the lack of action. This delay and lack of response have caused significant inconvenience, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.

I am requesting that the Consumer Protection Bureau investigate this matter and take appropriate action to ensure the credit bureaus comply with their obligations to respond to disputes in a timely manner. 

My information should be as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employment should be as follows. 

postion : chief Executive Officer ( CEO )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First repossessed my XXXX  on XX/XX/2024 and on XX/XX/2024 they reported on my credit I owe {$25000.00} with XXXX paid on the loan. They also reported it written off which means they don't plan on being able to collect but they have the vehicle in their possession. I paid {$600.00} on the vehicle up until they allowed someone to drain my account of approximately {$40000.00}. I had insurance through them. XXXX XXXX XXXX insurance who also goes by XXXX. They will not give me a denial letter so the insurance company wont submit a claim. I also paid {$300.00} before my first payment was due and I wanted it to go towards the principal and they put it towards the interest. I believe America First was involved with the theft of my money. I believe it was a social engineering scam. I have had a few theories on this but because America First did not flag my account when someone was spending {$1000.00} a day, ( my normal spending was about {$3000.00} a month ) and then they also opened a line of credit and allowed them to spend even more than I had, they have to be involved. I believe they received the insurance payout and profited about {$100000.00} off my stolen money including taking my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I looked at my Experian 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 1681i they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 explanation
Consumer complaint received 2025-01-05 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: OneMain Finance Corporation
State: CO

Complaint narrative:
The company has charged off the debt then sold to collection agency. Then it was again sold to a collections agency. 
One Main charged off the debt. Never sent the 1099c.

I want it removed from my credit report as an owed balance and I would like the 1099c so that I can report it to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
I RECENTLY REVIEW MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND A NUMEROUS FRAUDULENT CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. HERE IS THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT. XXXX XXXX BALANCE {$16000.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/year>. XXXX XXXX BALANCE {$3900.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/year>. AND ALSO I AM ATTACHING A COPY OF IDENITY THEFT, UTILITY BILL, DRIVER LICENSE ANS SOCIAL SECURITY CARD. 

THANK YOU IN ADVANCE.

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 2025-01-05 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: CA

Complaint narrative:
This account does not belong to me, I do not have knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I have names and addresses that does not belong to me on my credit report. 

The name XXXX XXXX is on my credit report which is NOT me. 
Address other than XXXX XXXX XXXX XXXXXXXX, GA XXXX are also on my credit report which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I have names and addresses that does not belong to me on my credit report. 

The name XXXX XXXX is on my credit report which is NOT me. 
Address other than XXXX XXXX XXXX XXXXXXXX, GA XXXX are also on my credit report which is incorrect.

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 2025-01-05 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: FL

Complaint narrative:
I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

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 2025-01-05 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: AR

Complaint narrative:
I am following up on my final demand letter dated XX/XX/year>, regarding unresolved negative accounts on my credit report. These accounts continue to reflect inaccuracies that have not been addressed, despite multiple previous attempts to rectify the issue. The lack of resolution is unacceptable and requires your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an inaccurate claim made by XXXX regarding missed payments on my auto loan account. I have reviewed my loan records, and there is no evidence of the occurrence of missed payments on my part. I believe the lender has reported false information to the credit bureaus or made an error in their records. 
Details of the loan in question : Lender 's Name : XXXX  Account Number : XXXX Loan Type : Auto Loan Date Loan Was Initiated : Disputed Issue : Incorrect reporting of missed payments in XX/XX/year>. 
Nature of Dispute : 1. I have made all payments on time and in full according to the terms outlined in my auto loan agreement.

2. I have attached proof of payment, such as bank statements, payment receipts, or screenshots of online banking transactions for the months in question.

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 2025-01-05 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I am writing to formally dispute an inaccurate claim made by XXXX regarding missed payments on my auto loan account. I have reviewed my loan records, and there is no evidence of the occurrence of missed payments on my part. I believe the lender has reported false information to the credit bureaus or made an error in their records. 
Details of the loan in question : Lender 's Name : XXXX  Account Number : XXXX Loan Type : Auto Loan Date Loan Was Initiated : Disputed Issue : Incorrect reporting of missed payments in XX/XX/year>. 
Nature of Dispute : 1. I have made all payments on time and in full according to the terms outlined in my auto loan agreement.

2. I have attached proof of payment, such as bank statements, payment receipts, or screenshots of online banking transactions for the months in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and Experian have refused to delete all items to unauthorized accounts due to XXXX XXXX breach. I have submitted a FTC and XXXX XXXX  report due to recently finding out that I was a victim of several data breaches, XXXX just being one of the most wide spread of affected. XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and Experian has deleted accounts and proceeded to verify accounts and debt parks unveried accounts on my credit report. These companies have harm me by violating and willingly have been non compliant of the 605b rule to delete all accounts in 4 days. They have not provided any information from the creditors about the description of method in which they verified their investigation. I know that there process is a systems of information in which just matches data. That is not a reasonable method to gather information. The law states that I have the right to have a accurate reinvestigation I have had 5 with the same results. This is my notice of lawsuit according to defamation of character with the willful negligence that has harm my emotional and financial well being. Enough is enough with the disregard for the laws that their company has agreed to abide by. I demand swift attention for I have dealt with the lack of regard for two years. All documents will be attached below.

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 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I once went to a XXXX XXXX XXXX to purchase a product. 
Upon paying for the product, the Cashier offered to sign me up for a XXXX beauty purchase card and I ultimately agreed. 
Then they sent the card to some other address and not the address I gave them. 
When that happened, I called the company and told them I no longer wanted the card. They told me on the phone that I needed to pay the balance which was {$42.00} on XX/XX/year>. 
XXXX weeks later they sent me a billing statement for XXXX cents and less than a month they sent me another bill for {$33.00}. To make matter worse, they even sent my name to the credit reporting agencies. This kind of predatory practices are just wrong and unfair. This is unjust and totally unfair and I don't owe XXXX XXXX anything so I need them to clear up my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i was shopping for my new business bank, so i was checking pre-approved offers at multiple banks and credit companies. I was given a link to check PRE-APPROVAL for line of credit / credit card for CHASE bank. The system asked me for my information just like other preapproval processes, i DID NOT consent to HARD CHECK, if i was aware i would have not gone through with it. Chase bank had deceptive marketing tactic to take my information and do a hard check. Now i have a credit inquiry on my record which should not have been there at the first place. I am trying to contact Chase to resolve this, but they are unhelpful. I want to apply for SBA Loan in future this is something i didnt expect, my score was pulled without consent, with fake and deceptive practice. I wish to resolve this by removing the PARTICULAR inquiry from my record.

Company response to consumer: Closed with explanation