vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-10 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a special rate balance transfer offer and took advantage of the offer by transferring {$12000.00} for a fee of {$600.00} with 0 % interest until XX/XX/XXXX. 

Two weeks later, the autopay function deducted the entire amount back out. I called to explain the balance transfer has always been separate from my regular monthly transactions and should not be included in the autopay amount. They told me the payment had been processed, and they could do nothing. I asked for the {$600.00} to be refunded since I did not receive the program benefits and was told it was too late. 

Not only is it illogical for the billing system to include an entire balance transfer in the statement balance autopay. I have done balance transfers numerous times, and the transfer amount is separate from my normal transactions- especially since I have until XX/XX/XXXX to pay it. 

I have been a customer since XXXX and was told there was nothing they could do - I am out the 0 % financing and the {$600.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-10-10 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: AZ

Complaint narrative:
I sent a certified request to Equifax on XX/XX/XXXX23 to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule 809 since I was not notified in writing prior to this alleged debt being reported on my consumer report. In the past, Equifax has required me ( the owner of the consumer report ) to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report. The verifying documents that are being requested of Equifax ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account. It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule 809, Validation of Debt requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, an erroneous property tax balance of {$520.00} was applied to my vehicle lease account with Toyota Financial Services. After several calls to have it corrected, it was not corrected ; and was reflected again on the final statement of the account on XX/XX/XXXX. On XX/XX/XXXX, I was advised by a representative to make an over-payment of the erroneous property tax balance of {$520.00}, which was made over the phone ; to avoid an inaccurate 30-day late payment flag on my credit report. Furthermore, I was informed I would receive a refund for the over-payment. 

I received a letter, dated XX/XX/XXXX, to remit payment of {$870.00} for property tax accrued based on Connecticuts Tax assessment date of XX/XX/XXXX. However, the balance of {$870.00} is based on the full year of XXXX, and needs to be adjusted to the pro-rated amount based on the plate cancellation date of XX/XX/XXXX ( The vehicle was sold on XX/XX/XXXX ). Connecticut property taxes are pro-rated by day, as confirmed by my local tax assessors office. 

In response to the letter, I certified mailed the required property tax adjustment documents to the return address of the " remit payment '' letter ; the vehicle purchase agreement, plate cancellation receipt, and the over-payment confirmation made on XX/XX/XXXX. In addition, I included the pro-rated calculation of the property taxes owed. Because the over-payment was more than the pro-rated amount owed, I am due a refund of {$110.00}. 

I recently received two additional letters dated XX/XX/XXXX, disregarding my letter and denying my over-payment stating " our records indicate we have not received payment from you. '' The erroneous property tax balance was never corrected, and I have still not received my refund for the difference between my over-payment and the pro-rated amount owed ; because Toyota Financial Services won't request the property tax adjustment from the local tax assessor, as required by them as the owner of the leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: LEXISNEXIS
State: CO

Complaint narrative:
LexisNexis Risk Solutions Consumer Center is reporting FALSE information & now our insurance company ( XXXX ) wants to drop my husband because of it & other companies are hiking up the prices from it. We received a notice of Nonrenewal from our Insurance company a month ago. We've spent the past month with our Agent contacting the Colorado DMV and Driver 's License Office and XXXX XXXX Court. Everyone has told us that LexisNexis Risk Solutions Consumer Center has reported false information. We've attempted to contact LexisNexis Consumer Center 3 times to dispute this incorrect information with all our correct documentation proving them wrong. They sent us a letter stating they denied to change their information stating we didnt have documentation. We sent them proof of identity & address, the Nonrenewal notice from our insurance company with THEIR name LexisNexis Risk Solutions Consumer Center listed as the reporting agency on it, and an Official Colorado 7yr Driver Record. We went on to the XXXX  website and EVERY comment/review was about dealing with the same problems with LexisNexis Consumer Center that we are dealing with right now. We also filed a formal complaint with the FTC. This company should NOT be allowed to stay in business!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XX/XX/XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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 2023-10-10 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: IL

Complaint narrative:
Equifax is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Equifax has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Equifax disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Equifax is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Equifax more fraud has been committed against me. I would like for Equifax to give me the document I signed to give consent to share my nonpublic personal information. And if Equifax somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Delete and block these accounts that are disclosing my nonpublic personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
While looking over these accounts I have found several inaccuracies that are violations of the FCRA public law. My intent is to seek legal counsel and file a civil suit ; however, I am giving Equifax the chance to resolve this issue outside of the court system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Kindly adjust my credit report and swiftly eliminate the public record currently shown. I've provided the essential documents to back up my request. I appreciate your immediate action on 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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2023-10-11 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: CA

Complaint narrative:
The XXXX XXXX XXXX paid all interest & principal fees from XX/XX/XXXX until XX/XX/XXXX = {$34000.00}. No other lender according many HUD counselors say additional reinstatement fees of any amount are demanded except my servicer XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Re : Notices of Error/ Information Requests I believe this is unlawful and I asked my lender to waive the unaffordable {$610.00} fee thats not related to the mortgage principal or monthly interest ( which was already accounted for in payment {$34000.00}. 

They refused & told me to document the expenditures however the XXXX XXXXXXXX XXXX told me today they can not recreate the billing itemizations & they have no accounting department! 

This XXXX bill is very FISHY because they are demanding more in unpaid fees and charges= {$510.00} PLUS {$95.00} in NEW FEES and charges since last statement which would be XXXX. THAT was already accounted for!!! I called my lender in XXXX. They said my first billing is XX/XX/XXXX. 
SO THEN WHY are there any late fees? 

Please resolve this financial burden of {$610.00} that I can not pay and had no advance notice on this fraudulent charge! 

I need these fees to be waived and there are not even CLEAR on the amount they are demanding. My phone agent at Loss Mitigation today XX/XX/XXXX hung up or was disconnected & she said she would investigate but never called me back as I have been waiting!!!

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 2023-10-10 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 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 2023-10-11 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: CA

Complaint narrative:
My credit report is showing late payments to XX/XX/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XX/XX/XXXX customer service representative.

Company response to consumer: Closed with explanation