vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, I entered into a vehicle loan agreement with Credit Acceptance Corporation under conditions that I believe were coercive and misleading. I was pressured into signing the contract by the dealership, who offered to cover part of my down payment to expedite the process. I did not fully understand the contract terms at the time, specifically the acceleration clause, which was not clearly disclosed or explained to me. This lack of transparency violates the Truth in Lending Act ( TILA ) as I was not informed about the consequences of missed payments leading to the full balance being due. 

Additionally, I feel that the interest rate of 19.49 % was predatory and not adequately explained during the signing process. Had I been fully aware of these terms and had they been clearly disclosed, I would not have agreed to this loan. The dealership exerted high-pressure sales tactics, rushing me through the paperwork and leading me to make decisions without understanding the long-term financial impact. Furthermore, I believe that Credit Acceptance Corporation failed to properly assess my financial situation and ability to repay the loan, which led to me entering into an agreement I could not reasonably fulfill. 

As a result, I am seeking resolution of this issue, including potential relief for the unfair and predatory loan terms, as well as an investigation into the practices of both the dealership and Credit Acceptance Corporation.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me 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 2024-09-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please review the attached docs. 

Please remove fraudulent items on my credit 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 explanation
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
Experian emailed me on XX/XX/year> that there has been a change in my account information. I emailed their membership support email telling them I didn't change my account this must be fraud ; with no response. When I tried to log into my account the account email and phone number was change so I could not get in. When I called is was on their automated line going back and fourth with an automated system that kept hanging up on me because I wasn't there for any of it automated issues. The automated system kept refusing to send me to a human representative, and when I would say " membership has been hacked '' is would just respond with telling me to choose form it automated issues instead. After a quick online search it was clear this is a larger issue with Experian, it seems everyone that has had a account has had a account hacked.

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 2024-09-25 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
my information was used fraudulently to apply for auto loans with about 15-20 creditors I did not authorize them to do this and they are not removing from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: WA

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I signed up for an XXXX XXXXXXXX XXXX Citi card. From the first month of me having the card I noticed a charge that I did not purchase. I disputed it but it continued and was an reoccurring charge each month from an online company I do not recognize or have ever purchased from. I have disputed it every month because it continues to reoccur and I have no way of contacting the company that was charging my credit card. Multiple times Citi customer service stated they would resolve the issue and it continued. In XXXX Citi customer service rep recommended cancelling my card and sending a new card so the charges wouldn't continue. A new card was issued to me but the charges continued. Again I never authorized or purchased a membership/fee in the amount of {$24.00} ( I believe this is the correct amount ). Also, I have no idea how the charges continued with a new card number issued. I was told I had to go in on my app and dispute every charge as they occurred because they were unable to stop them or block where the charges were coming from. Finally, after disputing the charges YET again, I paid my balance in full and cancelled my card and closed the account. Now, I'm receiving emails stating I've missed payments and that I'm overdue. My account is locked and I can not get into my account online or on my phone through the app. This has caused me so much unnecessary stress. I need help. They are not listening and with fraudulent charges on a credit card with no evidence of purchasing anything and unable to find said company online I should not have to go through this. I never would've signed up for this card if it wasn't for the flight rewards but now I severely regret it because they are not helping me and continuing to charge this card I no longer have. I'm unable to upload statements at this time because I'm unable to login to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
It's reporting on my credit and it's not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon thorough examination of my recent credit report, I found several accounts that seem to be incorrectly included and were added without my awareness.

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 2024-09-25 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: MO

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 XXXX XXXX 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 information requested from the list of acceptable items 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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-09-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-09-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XXXX XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-09-25 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing regarding an account you reported to the credit reporting agencies. After reviewing the details of this account, I have identified several legal discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

First of all, I have no contractual agreement with your company, USC s 78cc nor did I authorize any third-party contract or permissible purpose for your agency to report or furnish information to the credit bureaus on my behalf. Under 15 U.S.C. 1681b, only entities with a legitimate and permissible purpose have the right to access and report my credit information. Since there is no such contract or agreement between us, I believe this reporting constitutes a violation of the law. 

Please be advised that I demand the following actions within 10 days of receipt of this letter : Immediate removal of any inaccurate or unauthorized information related to the account from my credit reports. 
A written confirmation stating that you have ceased all reporting of this non-permissible information to the credit bureaus. 
Failure to comply with this request will leave me with no choice but to pursue legal remedies, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages by my rights under the FCRA. 

I trust this matter can be resolved promptly without further action. Thank you for your attention to this urgent matter. I look forward to your timely response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I changed my XXXX XXXX bank account at the end of XX/XX/year> and called in to request that Citi bank close my existing business bank account. The person on the phone confirmed that this could be done on the phone and stated the account would be closed within several days and a check mailed to my business address for the remaining {$42.00} that I'd left in the account. Several months later, I noticed that the account had not been closed and the bank had continued to charge it's maintenance fee of $ XXXX to the account. This resulted in non-sufficient funds on the statement for XX/XX/year> showed non-sufficient funds. Unfortunately, this became a problem in XXXX as I was applying for a mortgage loan from XXXX XXXX. It was denied by XXXX XXXX  due to having a statement with non-sufficient funds on XXXX of my accounts. I spoke with Citi bank to have the monthly service fees forgiven, which they did, but they would not help with either issuing a letter of correction or an amended bank statement to show to the mortgage lender that this was an error by the bank. Citi bank customer service also seemed to have kept no records of my interaction with their customer service that they could reference to help me with this problem. As we are well into our home buying process, this puts our entire escrow payment at risk if we are not able to secure another loan. Citi bank customer service at both the branch level and when calling their national number has been very unhelpful and unwilling to correct the record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am rewriting the complaint to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation