vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-06-27 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Too much inquieres that make my credit score be low Please I need to dispute all the I quiere stray is like XXXX inquieres.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
Too much inquieres that make my credit score be low Please I need to dispute all the I quiere stray is like XXXX inquieres.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc.
State: MA

Complaint narrative:
I have used SoLo Funds, for a very short period of time, as a lender ( i.e. I approve loan requests from other users, and lend money ). I have funded my " SoLo wallet '' to be able to do so. Now, I have money in this wallet, that I can not withdraw to my personal bank account. In other words, SoLo Funds does not let me get my money back. I have contacted them three times ( XX/XX/year>, XX/XX/year>, XX/XX/year> ), and tried to solve this situation with them directly. Each time, I was told my that my case needed to be escalated to a manager team. Nothing is being done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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:
PLEASE BLOCK AND REMOVE It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I am writing to file a formal complaint against American Honda Finance Corporation ( AHFC ) concerning inaccuracies and false information they have reported on my credit reports. The account in question pertains to my and my wife 's ( XXXX XXXX XXXX lease for a XXXX XXXX XXXX, with XXXX XXXX XXXX. 

Background : Incident and Settlement : The vehicle associated with the lease was declared a total loss on XX/XX/XXXX. Subsequently, my insurance company, XXXX XXXX, issued a settlement check to American Honda Finance Corporation as per the agreed amount of {$31000.00}, decided by AHFC and which was processed on XX/XX/XXXX, as confirmed in the document titled " Guarantee of Title '' sent by AHFC to XXXX XXXX. 

Dispute Filed : I submitted a credit dispute to the credit bureaus asserting that the information provided by AHFC was incorrect.

Falsification of Credit Information : Despite resolving the matter with the insurance settlement, AHFC has reported incorrect information on my credit report, which includes falsified charges and derogatory marks. Notably, my credit report dated XX/XX/XXXX shows a significant outstanding balance of {$61000.00} and multiple late payment entries, which are inconsistent with my payment history and the settlement agreement. Additionally, they have falsely changed the lease term from the original 36 months to 42 months. 

Inaccuracies and Discrepancies : Incorrect Balance Reporting : My credit report dated XX/XX/XXXX from XXXX, XXXX, and XXXX shows an outstanding balance of {$61000.00}, despite the insurance settlement covering the agreed amount and my consistent payment history. Furthermore, the total amount paid exceeds the listed balance, which should have resulted in a XXXX balance or a credit.

Derogatory Marks : AHFC reported multiple derogatory entries, including charges of bad debt/collection and charge-offs, which are baseless. These entries do not reflect the true status of my account and are causing undue harm to my credit score.

False Lease Term Change : The original lease term was 36 months, as documented in my lease agreement. However, AHFC has falsely reported the lease term as 42 months in the credit reports, which is incorrect and misleading. 

GAP Clause : Furthermore, even if there was an outstanding balance, the GAP Waiver clause in my lease agreement dictates I should not be held liable for any remaining balance beyond the settlement amount. 

Previous Reports : My previous credit reports dated XX/XX/XXXX and XX/XX/XXXX indicated no such derogatory marks or substantial outstanding balance, showcasing a stark inconsistency and potential falsification by AHFC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NJ

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Employer - 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 Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-27 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: IL

Complaint narrative:
I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.

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 2024-06-27 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: AZ

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: MD

Complaint narrative:
I'm actually writing this as a complaint regarding the hypocritical expectations of credit reporting agencies, specifically regarding opening new lines of credit. The credit industry increases your score only when you have good standing accounts and a low credit usage ratio. So raising your credit limit ( otherwise proving that you have said good standing with the company ) should only increase your score. The excuse that a " hard inquiry '' should temporarily lower your score, even though it's proving that you qualify for higher credit, is not only hypocritical, it's unethical in a country that is already struggling with personal debt. In addition, the suggestion that opening a new account should actually lower your " average '' credit history is ridiculous and only serves to further harm people 's financial stability. The first account opened is still the first account. Opening a new one doesn't change that fact. Making the length of credit history an average of when the accounts were opened is completely illogical. Credit reporting agencies should be held accountable for imposing hypocritical rules that make it so that if you do what they want and maintain good standing credit, as shown by the banks ' decision to grant you a new line of credit or increase your current limit, you are penalized for it. This is unfair, illogical, and, as stated, overall unethical. I'm sure this complaint will not make any difference, and I'm sure that the rulemakers care nothing for their impact on the rest of the country, basically everyone who isn't them. But it needs to be said regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I, XXXX XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence Account name : USAA FSB Account number : XXXX Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice. 

Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. 
I am sending this letter as the sender, XXXX XXXX XXXX, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/year>, I was offered a loan in the amount of {$10000.00}, by a lender claiming to be XXXX XXXX. I was asked to provide my banking information in order for the lender to deposit the funds into my account at JPMorgan Chase. I was later contacted on the same day by the lender asking that I check my account to view a deposit made by the lender. When I checked the account, there was a deposit. However, the amount of the deposit was not the {$10000.00} amount agreed to. I was again contacted by the lender to send money to them to validate the loan by XXXX XXXX  When I attempted to comply to the lenders request, it didnt work, so I was told to send it by money gram, and afterwards I would receive the {$10000.00} loan directly into my account. I became suspicious at this point and contacted my bank to report possible fraud. I later learned that the lender had contacted my bank and after accessing my account, had payments I had made to several creditors and overdraft fees reversed back to my account as though the lender had made the deposits as parts of the loan that was offered. I then filed a fraud complaint with my bank and learned that in fact it was fraud, but because I used the funds, I was accountable for the debt. I still have no idea how the company ( XXXX XXXXXXXX ) was able to reverse any of payments to creditors and overdraft fees. I am requesting that this debt be released by the bank and my funds direct deposited after the fraudulent activity be returned to me, and my account reopened based on the fraudulent transactions and charges. If account information is needed, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Dear Sir/Madam : On XX/XX/year>, I applied for a Barclay 's Bank Wyndham Rewards Credit Card and received an immediate rejection. On XX/XX/year>, I received a copy of the denial letter that indicated no credit report was pulled because of the following reason : " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' I experienced a bankruptcy more than 15 years ago and it is apparent I am being blacklisted by Barclay 's Bank. 

Since my bankruptcy, I own my own home with XXXX of the mortgage already paid off, XXXX scores of XXXX ( XXXX ), XXXX ( XXXX ) XXXX and XXXX ( XXXX ), and I work for Combined Insurance making {$130000.00} per year. I clearly have the ability to pay my debts. 

It is my opinion that this is in violation of The Federal Equal Credit Opportunity Act. I am demanding a credit officer pull my credit report and review my application for credit.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
I contacted cash app app on XX/XX/year> because my account was being hacked at XXXX in the morning. They told me the would freeze my account to investigate. My taxes were deposited in my account in XX/XX/year> XXXX. During there investigation they closed my account and I have asked for ALL DEPOSITS BE RETURNED TO SENDER. Cash app credited my account the money the was stole from my account I just havent received access to the account. They told me make a new account and I can receive funds but I cant make a new account because it tells me my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is reporting a collection account to all credit reporting agencies for a debt that I do not owe. I sent them a certified letter asking them to validate the debt and they have yet to send the requested information. When I spoke to someone on the phone, they said I owed the debt for changing insurance carriers which I am allowed to do. I was not under any contract to remain with any insurance carrier.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX is reporting a collection account to all credit reporting agencies for a debt that I do not owe. I sent them a certified letter asking them to validate the debt and they have yet to send the requested information. When I spoke to someone on the phone, they said I owed the debt for changing insurance carriers which I am allowed to do. I was not under any contract to remain with any insurance carrier.

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 2024-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On a series of XXXX federal student loans with 2 discharge dates separated by a couple of months, I made over the 120 payments while discharge was being processed. Mohela owed me just over XXXX from making payments beyond the 120 required payments. I called multiple times to get my refund issued and they said they would send it. Now, 5 months later, they are now saying I am owed no balance as they get to keep everything paid to them up to the formal discharge processing. I then read to the agent the verbiage from Studentloan.gov verbatim, " If your qualifying payment total is at 120 or more, you can opt into forbearance and stop making payments on your loans. If you continue making payments, any overpayments will be refunded if you have no additional outstanding loans. '' Agent XXXX ( XXXX XXXX ) said I was incorrect and I would be getting none of my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief