vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX,? I purchased a XXXX XXXX XXXX, from USAuto in XXXX, SC. I purchase a 3 year Service Warranty, at their insistence. It covered large repairs. I have been paying on that so called warranty for 26 months. On XX/XX/XXXX my transmission went out while I was traveling, I took it to two different repair shops, both said I needed a new transmission, costing approximately {$5000.00}. I called the warranty company, I was informed that USAuto had filed bankruptcy and my warranty was no longer valid. I called USAuto/Westlake. I was told the same thing. I have made repeated call to both parties. I was told that I canned get a refund for the money I have paid for an invalid warranty. I am ready to let them repossess this car. I do not have the money to repair it, anything you can do will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received my Citi Simplicity card XX/XX/XXXX statement last week. Also enclosed with the statement was notification of Important Changes to my Account Terms, which to informed me that my interest rate will increase from 22.24 % to 25.99 % effective XX/XX/XXXX. 
This is a 3.75 % increase in interest rate. Reasons given were due to factors that have been present most of times Citibank runs periodic credit reports. This time the same factors that existed during previous months of checking plus a credit score of XXXX was given as the reasons for the increase. I also make my monthly payments with each statement. 

Also, I had reason also requested a replacement card from Citi as the original one was cut up. So why am I being penalized with a higher interest rate for information that had existed when previous credit inquires were made by Citibank.

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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto close down in XXXX. I was not aware of the close until late XXXX because I could still pay my car note through the website until I went in to pay on XX/XX/XXXX and I could not due to the website being shut down. 
I never received a notice from US Auto or from Westlake informing me that Westlake will be taking over my account. I received a phone call from Westlake stating that they were a debut collector trying collect a debut. I didn't know what they were speaking about because they never said they took over my account. When I was finally speaking with some I could understand he told that they had my account that I needed to pay them. He stated that they sent an email. I had him on the phone while I search my emails to find the email they had sent. Never found the email so he said he would send another which I never received. I told him that I understand what he was saying but I needed something showing me what he was saying. There are many scams out here and I wanted to be sure that I wasn't getting scam. He verified my email and said he would send it. I never got it. Then I started getting these emails saying payment due. It has a portal for you to open up but you can't open it unless you have account number which I didn't have. When I tried to speak with someone on the phone it wasn't English. I notice that the total amount on the email they are sending is XXXX XXXXXXXX. That was when I first got the car. I been having the car Since XX/XX/2022 and now they want me start over. They towed my car with a breakdown total amount due XXXX late fee XXXX and towing fee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On or about XX/XX/XXXX, XXXX placed XXXX ( XXXX ) Notice of XXXX XXXX on my Experian credit report. I contacted XXXX on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by XXXX on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from XXXX and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which Experian indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on Experian, which XXXX charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me XXXX did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my Experian credit report immediately. Thank you.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a XXXX party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info 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 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I closed on a house in XXXX, my first mortgage payments to Freedom Mortgage Corporation weren't due until XX/XX/2023. 

On XX/XX/2023, I made a {$1000.00} payment to the principal, which processed on the XXXX. The money was taken out of my bank account, and appeared as a payment on my statement from Freedom Mortgage. 

Late XXXX I received a notice in the mail saying Freedom Mortgage had sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and that payments after XX/XX/XXXX should be sent to XXXX XXXX. 

I called both companies to confirm my XXXX payment should be sent to XXXX XXXX instead of Freedom Mortgage. When I checked my Freedom Mortgage statement, it showed my XX/XX/XXXX payment had been reversed, but the money was not returned to me, and my original principal balance had been transferred to XXXX XXXX. 

I called both companies again XX/XX/XXXX on a conference call to confirm my {$1000.00} payment was mad to Freedom, but not received by XXXX XXXX. Freedom said they would have to audit the transfer to determine where my money went and would call me in 2 days. On XX/XX/XXXX, they didn't call, I had to call, and they said they had up to 60 days from the date of my mortgage being sold for the money to be transferred to XXXX XXXX. 

After 60 days, on XX/XX/XXXX, I called both companies again on a conference call to get another update, but Freedom Mortgage at first claimed I hadn't made a {$1000.00} payment in XXXX, then claimed to have found it and claimed to have sent a check to XXXX XXXX on XX/XX/XXXX, which XXXX XXXX had not received. Then Freedom Mortgage asked for another 2 weeks to trace the check to see if it had been cashed or not, and if they could cancel the old check and send a new one. I told Freedom this was unacceptable and I would be filing a complaint. Then Freedom said I should hear back by Monday, and if not to call them. It is currently Monday and once again they have not followed up with 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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello I purchased my home in XXXX, XXXX and I closed on XX/XX/2023 at closing the title company wrote some checks to payoff some balances on a few credit cards and Comenity Bank/ Wayfair was one of them. On XXXX XXXX I mailed a check in the amount of {$3600.00} to Comenity Bank/ Wayfair . I mailed this check Priority mail with signature required through the USPS. On XXXX XXXX at XXXX check was delivered picked up at the Comenity Bank/Wayfair XXXX XXXX XXXX XXXX XXXX I have called Wayfair numerous times all ikeep getting is that they are investigating it. It is XXXX XXXX and the check is still not posted to my account. Every time I call iget the same nonsense answers and no results. They can't even tell me if they have the check in hand which they should because it was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i have 2 collections on my credit report that are not mine 1 is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX it was opened on XX/XX/XXXX and the other one was opened XXXX XXXX XXXX  The amounts is {$420.00} and the other one is {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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
The XXXX XXXX XXXX XXXX responded with a letter that clearly shows they are in violation of the ECOA and 15 U.S. Code 1691 ( a ) ( 3 ). They are willfully and knowingly violating my consumer rights. I have attached their response which shows the violations.

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 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. a. Acct # : XXXX b. XXXX reported : XX/XX/22 XXXX. XXXX XXXX XXXX  XXXX. a. Acct # : XXXX b. XXXX reported : XX/XX/22 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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