vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 2024-07-24 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 am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked 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 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo has collected the following mortgage payments AFTER they ( Wells Fargo ) placed my home into default and subsequently Foreclosure.

Wells Fargo has not accounted for these mortgage payments nor have they applied these payments to my mortgage. 
XX/XX/XXXX {$980.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$98.00} XX/XX/XXXX Check XXXX {$84.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1000.00} XX/XX/XXXX Check XXXX {$1100.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$1100.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$750.00} XX/XX/XXXX Check XXXX {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have a collection on my credit report form Transworld Systems. However, I dont have an account with them nor ever did. They say they are representing XXXX aka XXXX  XXXX XXXX. However, I contacted XXXX  today on XX/XX/year> and they told me that I have no outstanding balance with them. I also contacted Transworld System today on XX/XX/year> and they told me I dont have an account open with them but they cant do anything about it being on my credit report. I am writing this complaint to get Transworld Systems out of my credit report since they are showing in my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Hi recently reviewed my credit report and noticed an account that I was in fact paid.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 ( XXXX and XX/XX/year> ) Im requesting you to investigate this account and update this payments to be paid on time immidiately.Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  XXXX XXXX  XXXX  {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: MD

Complaint narrative:
I have never been late on this personal loan. I started paying an extra amount of money on the loan with my payment or on another day of that week it is due. They are taken out interest on that extra money even though I paid my amount due on time. I called them twice and each time they stated no matter when I paid extra on the loan they will take out the interest on and lower that amount I put on the loan at that time. Now when I pull extra money on the loan it's stated I'm paid ahead until XXXX. Can they do that : taken interest out of extra money that should be applied to the principal and can the add it to the next month payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: WI

Complaint narrative:
Please examine the documents attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/2024, I logged into my Credit Karma account. They were advertising certain credit cards that my approval odds for obtaining a line of credit were outstanding. They even placed a star by one of the accounts to make me believe that it was even more highly recommended. Based on their lie, I applied for a recommended card through their portal, and I was immediately denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am a XXXX XXXX XXXX  XXXX XXXX checking account holder. 

My account was transitioned to Chase a few months ago. As a result of this merger Chase has been subject to close inspection and monitoring by the regulatory agencies regarding how they handle these customers.

In the process of moving me and my spouse to this new Chase account there have been a few NSF checks deposited due to errors and now Chase is threatening to close my account due to these few issues.

I want Chase to remove their restrictions and either remove the mobile deposit attempts for these checks or allow me to re present them after I resolve the issue with the funding source. 

These restrictions are blocking direct deposit which has not allowed my payroll to come in and is putting me in a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
Subject : Formal Complaint Regarding Document Discrepancies and Deceptive Practices To Whom It XXXX Concern, I am writing to file a formal complaint regarding several critical issues related to a recent proposed deal with XXXX XXXX XXXX XXXX. These discrepancies have caused significant concern and frustration, and I seek your assistance promptly. 

XXXX. High-pressured sale : There was a heavy sense of pressure being applied to get the deal. I was XXXX XXXX XXXX at the time which I believed also played a part in the influence of trying to get me to take the deal which was not a good deal to begin with. 
XXXX. Incorrect Start Date for First Payment : The documents fail to specify the agreed-upon XXXX start date for the first payment. This omission directly contradicts our initial agreement and raises serious questions about the contracts validity. 
XXXX. Incorrect Lienholder Information : The documents identify GM Financial as the lienholder but XXXX XXXX ( the dealership ) states that they are not my lienholder. GM Financial has confirmed that I am not in their system on either the customer service side or the fund department side. This discrepancy is deeply troubling, as it affects the security of my financial obligations. 
XXXX. Refusal to XXXX XXXX XXXX : Despite my repeated requests, XXXX XXXX sales XXXX and sales representative have refused to provide the name of the actual lienholder. Their lack of transparency impedes my ability to fully understand my contractual responsibilities. 
XXXX. Undocumented {$500.00} Downpayment : The documents do not reflect the {$500.00} downpayment that was explicitly part of our deal and has not been paid to date. This omission undermines the integrity of the entire transaction. 
XXXX. Nonconsenting drop off the vehicle : After explicitly advising the dealership I would not be accepting service or consenting to a drop-off. They drove the car to my apartments, parked the car in an open parking spot somewhere in the apartments, and dropped the keys off in the front office without getting signatures or even permission from the front office to leave the keys in their possession. 
I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. I believe they constitute deceptive or unfair practices, and I seek resolution through your offices intervention. 
Please find attached copies of relevant documents, including the invalid contract with conflicting, inaccurate, and missing information deeming the proposed deal voidable, which XXXX XXXX refuses to do. I appreciate your attention to this urgent matter and look forward to a timely resolution. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, so this is what happened - upon checking my report, there are credit inquiries on it that I am unfamiliar with. I don't remember about any of these and I did not authorized/consented to these companies in pulling up my report. This is absurd it's making me anxious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I asked the company about how to get the information taken off of my credit report & they informed me that they did what they could do & nothing else could be done. 

*Original creditor : XXXX XXXXXXXX XXXX *Balance details Paid off *Original balance {$2800.00} *Account type Collection *Status Paid in settlement The status is not allowing me to find housing. I am homeless and I am in dire need of housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting 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: LEXISNEXIS
State: FL

Complaint narrative:
I have been trying to get a copy of my Lexis Nexis consumer report including my XXXX  report. They say I can get it online but it doesnt give it to me and then when i get it in the mail I can never get the report. There is always trouble with the code they give me to open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
I recently reviewed a copy on my credit report and noticed, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The errors on my credit report is a defamation of my character, and a clear violation of my rights as a consumer. I value my credit a lot but with these inaccuracies, it is quite impossible for me to achieve financial freedom and this has affected my opportunities and my mental health negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
I recently reviewed a copy on my credit report and noticed, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a bankruptcy reporting on TransUnion, XXXX, and XXXX. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent mutiple letters to each bureau via certified mail.

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